Analisa Keunggulan Trust Network Finance Sebagai Inovasi Model Pembiayaan Micro Equity untuk Pengembangan Wirausaha Mikro: Studi di Bogor, Jawa Barat, Indonesia

Indra Yuliawan, Wakhid Slamet Ciptono, M.B.A., M.P.M., Ph.D.

2017 | Tesis | S2 MANAJEMEN (MM) JAKARTA

Berdasarkan data Bank Dunia, micro finance melalui micro loan diperkirakan menjadi kunci sukses untuk menghadapi kemiskinan di dunia. Namun ketika kita bicara kelompok ekonomi berpenghasilan rendah seperti wirausaha mikro, micro loan konvensional memiliki keterbatasan dalam adaptasi teknologi baru dan kualitas produk baru untuk keberlanjutan usaha mereka. Banyak hal yang perlu dipelajari dan dibutuhkan lebih dari hanya strategi saja dari kesuksesan micro loan terutama manfaatnya bagi wirausaha mikro. Beberapa studi mengusulkan lembaga keuangan mikro dapat lebih berinovasi mencari alternatif selain micro loan konvensional yang dipercaya dapat membantu wirausaha mikro mengembangkan usahanya. Allianz di Indonesia yang sudah satu dekade berkecimpung bersama lembaga keuangan mikro dalam bisnis asuransi mikro memiliki inisiatif menciptakan inovasi model pembiayaan micro equity untuk pengembangan wirausaha mikro, yaitu Trust Network Finance (TNF). Untuk menganalisa apakah TNF bermanfaat bagi wirausaha mikro untuk menjadi pengusaha mandiri dan menganalisa keunggulan micro equity terhadap micro loan konvensional, Allianz Indonesia melakukan studi penelitian di Bogor, Jawa Barat, Indonesia. Penelitian dilakukan dengan pendekatan deskriptif kualitatif melalui metode pengolahan data hasil wawancara mendalam terhadap responden selama pilot project TNF di Bogor dan studi kepustakaan beberapa literatur terkait pembiayaan mikro dan kewirausahaan. Hasil penelitian menggambarkan bahwa Trust Network Finance dan model micro equity memiliki keunggulan dibandingkan produk pembiayaan micro loan konvensional terutama kaitannya dengan pengembangan wirausaha mikro. Kata kunci: inovasi wirausaha mikro, lembaga keuangan mikro, micro loan, micro equity.

Abstract According to the latest World Bank data, micro finance through micro loan was promised as a key success factor to counter global poverty. Conventional micro loan itself has its limitations of new technology adaptation and extensive quality of products to maintain the sustainability of business, when it comes to low income groups, especially to micro entrepreneurs. There are much to learn from micro loan and need to go beyond strategies that have brought its success especially for micro entrepreneurs. Some studies suggest that micro finance institutions could innovate more to find alternatives to replace conventional micro loan promised to help micro entrepreneurs to grow their business. Allianz in Indonesia had been a decade engaged with micro finance institutions in micro insurance business initiated an innovation of micro equity model financing micro entrepreneurs, called Trust Network Finance (TNF). To analyze whether Trust Network Finance benefits for micro enterpreneurs to become independent business owner and to analize the advantages of micro equity than conventional micro loan, Allianz Indonesia conducted a research study in Bogor, West Java, Indonesia. The study was conducted with a qualitative descriptive approach through the method of data processing in-depth interviews with respondents during TNF pilot project in Bogor and through study some literature related to micro finance and entrepreneurship. The results of the study illustrated that the Trust Network Finance and micro equity model have advantages over a conventional micro loan financing products primarily to do with the development of micro entrepreneurprises. Key words: innovation, micro entrerprises, micro finance institutions, micro loan, micro equity

Kata Kunci : Kata kunci: inovasi wirausaha mikro, lembaga keuangan mikro, micro loan, micro equity.