Kajian Program Penyaluran Kredit Usaha Kecil Melalui Program Kemitraan (Kasus PT BNI dengan Lembaga Pendamping IPB)

Abstract

This program of partnership conducted by BUMN (as builder), in this case PT Bank Negara Indonesia (Persero) Tbk. (Bank BNI) and small business as foster partner work along with Bogor Bridge Agricultural University (IPB) represent institution of government having function as bridge institution, and also give recommendation for group of small (medium enterprise) to become candidate of foster partner. Target of this study in general is to analyze pattern channeling of credit to small entrepreneur through program of partnership of BUMN and strategy of development partnership conducted by Bank BNI Bogor Small Credit Central unit with Advocacy Institute IPB. Data collecting conducted by interview to get secondary and primary data from small medium enterprises (SME or UKM) by using questioner instrument form, observation and study of bibliography to learn and study the problems. The number of respondent consist of 75 respondent divided in two, 50 respondent from IPB partner of construct and 25 respondent from non IPB partner of construct. Data obtained in the primary and secondary data form, than analyzed descriptively to determine internal weaknesses and strengths, and also opportunities and threats of externals company. Further analysis was done by using the Internal Factor Evaluation (IFE), Externals Factor Evaluation (EFE), matrix Internal Externals (IE) and also analyze matrix Strengths, Weaknesses, Opportunities and Threats (SWOT) to formulate alternative of strategy of partnership in Credit of Partner of BUMN (KKB) supporting program. Result of the study indicated an internal factor influencing KKB program is proffering procedure and condition which is easy. Externals factor influencing KKB program is market UKM potency which still be big and the number of competitor from bank of a kind BUMN and also private sector. Given the partner link condition and position from result matrix analyze IE, can be compiled by some partner strategy alternative KKB supporting program, that are : (1) expense credit management process like administration expense, (2) adding administrative personnel outsourcing (3) more intensive promotion through various media and (4) performing socialization about KKB by inviting all client from UKM group. Strategy expected can realize partnership target, that is create UKM selfsupporting and taft. Keywords : Bank BNI, IPB, SME/UKM, SWOT, KKB, strategy