MANAGEMENT OF BANK LOANS FOR MICRO, SMALL AND MEDIUM-SIZED MARKETING PERSPECTIVE AND IN TERMS OF LEGALITY IN ITS DISTRIBUTION AND ITS IMPACT ON ECONOMIC DEVELOPMENT AND LABOR ABSORPTION
ABSTRACT: This study focuses
on the development value of sales, labor on ict companies in Bandung, the
output value of industry sector and subsector telecommunications equipment
industry, exports of communications including communications telecommunications
equipment industry, as well as economic development, employment and bank
lending in the form of small and medium-sized micro-credit for the years 2000 -
2008 to kabupatenkota in West Java province. Results obtained bank loan
facilities for the industrial sector and the inflation rate together to have a
significant impact on employment in West Java, on changes in bank lending as a
whole no significant influence on the change of value of output and employment
in the industry as a whole and telecommunications equipment industry, exports of communications and
telecommunications equipment communications in western Java, while the UMKM
loans to agriculture, mining, processing industry, trade, hotels and
restaurants, transport and communication co, construction, service businesses,
community social services, and other sectors together have a significant effect
on employment in western Java. So that banking institutions should give greater
credit to sectors of the productive economy, and have a wider effect multipier
between sectors, so the increase in credit for UMKM will positively impact
employment in west Java, so does the local government to provide certainty law
for licensing services, transparency, and lower cost, especially for UMKM to
various economic sectors in western Java.
Author: Sampurno Wibowo, Agus
Maolana Hidayat, H M Yahya Arwiyah
Journal Code: jppendidikangg100006
