Aji, Dinar Wibisono Mukti (2018) Efektivitas Penerapan Pasal 8 Pojk Nomor 19/Pojk.03/2014 Tentang Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif Mengenai Kewajiban Penyaluran Kredit Bagi Umkm (Studi Di Bri Cabang Manukan Surabaya). Sarjana thesis, Universitas Brawijaya.
Abstract
BRI Cabang Manukan memiliki layanan Branchless Banking atau Lakupandai. Lakupandai merupakan kegiatan pemberian jasa layanan sistem pembayaran dan keuangan terbatas yang dilakukan tanpa melalui kantor fisik bank, maupun dengan menggunakan sarana teknologi dan/atau jasa pihak ketiga terutama untuk melayani masyarakat yang belum terlayani jasa keuangan. Berdasarkan hal tersebut di atas, penulisan karya ini mengangkat rumusan masalah: seberapa efektif penerapan Pasal 8 POJK Nomor 19/POJK.3/2014 dalam rangka penyaluran kredit UMKM, serta bagaiamana upaya dalam mengatasi hambatannya tersebut. Penulisan karya tulis ini menggunakan metode yuridis empiris. Pembahasan tentang efektifitas penerapan dan upaya dalam mengatasi hambatan penerapan layanan tanpa kantor (Lakupandai) masih banyak mengalami kendala, penelitian ini berkaitan dengan kenyataan di masyarakat pengguna jasa layanan keuangan. Maka dari itu peneliti menggunakan jenis penelitian yuridis empiris. Dari hasil penelitian dengan metode di atas, penulis memperoleh jawaban yaitu perlu ada sosialisasi secara baik, benar, guna mencapai efektivitas pasal 8 POJK Nomor 19/POJK.03/2014 tentang layanan keuangan tanpa kantor dalam rangka keuangan inklusif, terjadinya tumpang tindih terhadap penerapan pasal POJK Nomor 19/POJK.03/2014 dalam penyaluran kredit terhadap UMKM di BRI Cabang Manukan, calon nasabah kredit masih enggan mengajukan kredit melalui agen dikarenakan lebih rumit daripada datang kekantor BRI terdekat. Apabila calon debitur ingin mengajukan kredit di agen Brilink mereka di survey dahulu oleh pihak agen Brilink. Tahapan- tahapan tersebut biasanya lebih dari ketetapan BRI dalam waktu pencairan kredit yaitu 14 hari kerja. Saran yang dapat diberikan bagi Kantor BRI Cabang Manukan sebaiknya memprhatikan para agen BriLinknya dengan terus aktif mengadakan sosialisasi kepada paguyuban Linkman, misalnya satu bulan sekali di adakan sosialisasi. Agar kendala dilapangan cepat terselesaikan. Perealisasian terhadap calon debitur perlu adanya penyederhanaan sehingga menjadi pemahaman yang meyakinkan calon nasabah untuk menjadi yakin terhadap penyaluran kredit UMKM melalui Agen BriLink.
English Abstract
BRI Branch MANUKAN have Branchless Banking service or smartmanners. smartmanners is an activity of providing payment system services and limited finances made without going through the physical office of the bank, or by using technological means and third party services primarily to serve the community which have not served the financial services Based on the above, writing this paper raised the problem formulation : how effective the application of Article 8 POJK NUMBER 19/POJK.3/2014 in order to distribute credit OF SME'S, as well as how efforts to overcome these obstacles. Writing this paper using empirical juridical method. A discussion of the effectiveness of implementation AND efforts to address barriers to the implementation of non-office services OF (smartmanners) there are still many obstacles, this study deals with the reality in the community of users of financial services. Therefore the researcher uses a kind of juridical empirical research. From the results of research with the above method, the authors get the answer that there needs to be socialization well, to achieve the effectiveness of the article 8 POJK NUMBER 19/POJK.03/2014 about non-office financial services in the framework of inclusive finance, the overlapping of the application of the article POJK NUMBER 19/POJK.03/2014 in the distribution of credit to SME'S IN BRI Manukan Branch, prospective credit customers are still reluctant to apply for credit through the agency because it is more complicated than to COME nearest BRI office. If the prospective debtor wants to apply for credit in the agent Brilink them in the survey first by the agent Brilink. the stage is usually more than the provisions of BRI in the time of credit disbursement that is 14 working days. Suggestions can be given to the BRI Branch Manukan Office should pay attention to its BriLink agents by continuing to actively socialize to the Linkman community, for example once a month held for socialization. In order to quickly solve the problem constraints. Realization of prospective borrowers need simplification so it becomes a convincing understanding of potential customers to be confident about lending SME'S through Agent BriLink.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FH/2018/349/051809501 |
| Uncontrolled Keywords: | Bank, Layanan, Keuangan Inklusif, Kredit, UMKM |
| Subjects: | 300 Social sciences > 346 Private law > 346.08 Banks and insurance > 346.082 Banks |
| Divisions: | Fakultas Hukum > Ilmu Hukum |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 03 Dec 2018 08:24 |
| Last Modified: | 23 Oct 2021 06:58 |
| URI: | http://repository.ub.ac.id/id/eprint/14024 |
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