LINKAGE PROGRAM MODEL AS THE SOLUTION FOR SMEs FINANCING AND DEVELOPMENT IN REGENCY OF ENDE

Laurentius Domicus, Gadi Djou LINKAGE PROGRAM MODEL AS THE SOLUTION FOR SMEs FINANCING AND DEVELOPMENT IN REGENCY OF ENDE. LINKAGE PROGRAM MODEL AS THE SOLUTION FOR SMEs FINANCING AND DEVELOPMENT IN REGENCY OF ENDE.

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Abstract

Three major constraints were still faced by financing institutions to perform a more significant role to develop SMEs. They were : the difficulty in assessing feasible and bankable SMEs for provision of credit, the low interest of SMEs on development efforts undertaken by financial institutions, and most SMEs had not implemented good and right separation between personal and business finance. Two purposes of research were:analizing the role capital venture financing institution in developing SMEs more deeply and providing the some appropriate recommendations for SMEs development.The method applied was descriptive- comparative method. Two approaches were applied, namely (1) literature (desk study) and (2) field survey through interview and observation. The types of data collected consisted of primary data and secondary data. Primary data were obtained from direct interview with respondents and field observation. Sources of secondary data were obtained from the literature study and documentary review. The location of research was eastern part of Regency of Ende. Based on this study, some important recommendations were proposed. They were: (1) caused by significance and importance role of financing institution as alternative source of financing in developing SMEs, especially in trading sectors, the right socialization program about the existence both banks and non bank financing institutions (especially cooperatives) should be done, (2) in addition, financing institutions that did not have business core in micro scale business could implement linkage program and channeling pattern scheme with another financing institutions, (3) integrated debtors information system among banks and non bank financing institutions to prevent recurrent unimportant financing on the same SMEs and it was able to cause difficulty in payments should be created or be designed, (4) the establishment of partnerships program among central and local government and financing institutions in providing technical assistance to SMEs to do more integrated coaching should be done, (5) the policy requiring SMEs to joint the coaching provided by financing institutions and to submit financial reports periodically was needed. It should be done to reduce distortion in utilization of loans given by financing institutions. Keywords: SMEs in Ende, financial management, small scale business accounting, business information, linkage program, micro financing institution

Item Type:	Article
Uncontrolled Keywords:	SMEs in Ende, financial management, small scale business accounting, business information, linkage program, micro financing institution
Subjects:	B Akuntansi > Akuntansi Keuangan B Akuntansi > Akuntansi Manajemen
Divisions:	Fakultas Ekonomi > Program Studi Akuntansi
Depositing User:	perpus takaan uniflor
Date Deposited:	17 Feb 2022 09:44
Last Modified:	17 Feb 2022 09:44
URI:	http://180.250.177.156/id/eprint/1301

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