POTENSI PEMBIAYAAN USAHA MIKRO, KECIL DAN MENENGAH OLEH PERBANKAN DI WILAYAH PERBATASAN KALIMANTAN BARAT TAHUN 2008
ABSTRACT: The aim of this
study was to describe and analyze the characteristics and potency of
micro-smallmiddle enterprises (UMKM) and to understand its costing potential by
formal finance institution (banking) in border area of West Kalimantan. This
border-site research determined two regencies, Kabupaten Sanggau (Entikong) and
Kabupaten Sambas (Sajingan Besar). Some data used was primary one (sixty
samples) that was obtained through field research and some questionaries and
in-depth interview as well as secondary data. The findings indicated that the
dominant economic activities performed in the border of Entikong and Sajingan
Besar was trading and services, in which inhibitants and foreign workers as
marketing coverage, as well as Serawak people as main target market. The
infrastructure condition in this area was relatively bad and didn’t have
representative market yet. Another finding was the lack share and
unavailability of fund and money sources with accessible return and the lack
existence of formal financial supplier (capital investors) for small-middle
enterprises. The dominan capital investors in this border area was Credit
Union, whitout any banking existed.
Keywords: the planning concept
of regional economy, municipality economy potential, location quotient/ LQ
Penulis: Afrizal
Kode Jurnal: jpmanajemendd090040
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