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Persepsi Pengusaha Mikro Terhadap Lembaga Keuangan Mikro di Makassar

Author

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  • Daga, Rosnaini
  • Taufiq, H.M. Imam

Abstract

Berdasarkan UU No. 20 Tahun 2008 yang termasuk sebagai UMKM adalah usaha yang memenuhi kriteria sebagai berikut yaitu (1) memiliki kekayaan bersih paling banyak Rp50.000.000,00 (lima puluh juta rupiah) tidak termasuk tanah dan bangunan tempat usaha, atau (2) Memiliki hasil penjualan tahunan paling banyak Rp300.000.000,00 (tiga ratus juta rupiah). Menurut Asian Development Bank (ADB), Lembaga Keuangan Mikro (microfinance) adalah lembaga yang menyediakan jasa penyimpanan (deposits), kredit (loans), pembayaran berbagai transaksi jasa (payment services) serta money transfers yang ditujukan bagi masyarakat miskin dan pengusaha kecil (insurance to poor and low-income households and their microenterprises). Sedangkan bentuk LKM dapat berupa: (1) lembaga formal misalnya bank desa dan koperasi, (2) lembaga semiformal misalnya organisasi non pemerintah, dan (3) sumber-sumber informal misalnya pelepas uang

Suggested Citation

  • Daga, Rosnaini & Taufiq, H.M. Imam, 2011. "Persepsi Pengusaha Mikro Terhadap Lembaga Keuangan Mikro di Makassar," OSF Preprints 37p8w, Center for Open Science.
    • Handle: RePEc:osf:osfxxx:37p8w
    DOI: 10.31219/osf.io/37p8w
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