Hubungan Antara Bank Umum dan Microfinance Dalam Alokasi Kredit Pada Usaha Mikro, Kecil, dan Menengah

Abstract

Small Medium Enterprises (SMEs) always complains the tightness of entrance (aksestability) looks for external fund especially source of fund from banking. Economics report of Indonesia done by Indonesia Bank to note that ratio LDR commercial bank in the year 2007 showing far number under 100 % that is 69,2 %, while ratio LDR BPR more than 100 % that is 109,73 %. This thing express that public fund mustered by commercial bank still remaining to be able to be channelled in credit, while BPR has gone beyond from fund which ought to be channelled in the form of credit. This thing has given indication that already happened fails in allocation of credit. Therefore, in this research based on review critical literature and idea is indicated happened because business scale is determining pattern the relation of microfinance and and function of intermediation experiences fails in executing allocation of credit efficiently. Therefore, need to construct relation between commercial bank and microfinance to SMEs in order not to invite asymetris of information so that allocation of credit becomes efficient.