Pelaksanaan kredit modal kerja bagi usaha mikro dan mikro kecil melalui Program Dana Bergulir Propinsi Kalimantan Timur

SYAHRANI, Dardjat, Prof.Dr. Nindyo Pramono, SH.,MS

2006 | Tesis | S2 Ilmu Hukum (Magister Hukum Bisnis)

Penelitian mengenai Pelaksanaan Kredit Modal Kerja bagi Usaha Mikro dan Mikro Kecil Melalui Program Dana Bergulir Propinsi Kalimantan Timur di Samarinda ini merupakan penelitian dengan pendekatan yuridis normatif. Penelitian ini bertujuan untuk mengetahui mekanisme penyaluran dana bergulir kredit modal usaha/kerja yang dikelola oleh Lembaga Pengelola Kelompok Usaha Mikro dan Mikro Kecil (LP-KUMMK) Propinsi Kalimantan Timur, hambatanhambatan dan faktor-faktor yang mempengaruhi dalam penyaluran dana bergulir kredit modal usaha/kerja bagi usaha mikro dan mikro kecil serta pelaksanaan pengembalian dana bergulir kredit modal usaha/kerja. Hasil penelitian menunjukkan bahwa mekanisme penyaluran dana bergulir Organ Pelaksana Kabupaten/Kota menginventarisir UKM, mengusulkan KUB yang bersangkutan ke LP-KUMMK, LP-KUMMK menerbitkan Surat Pengukuhan KUB dan Surat Persetujuan Bantuan, ketua KUB membuka rekening pada Bank Pemerintah, Ketua LP-KUMMK menetapkan KUB yang akan diberikan bantuan dan besaran bantuan per anggota, kedua belah pihak menandatangani surat perjanjian di atas materai cukup, LP-KUMMK mentransfer dana dari rekeningnya kepada rekening KUB pada Bank yang telah ditunjuk, Ketua KUB mencairkan dan membagikan dana kepada anggotanya. Hambatan dan faktor-faktor yang mempengaruhinya yaitu bahwa perbandingan beban tugas dan jumlah tenaga tidak lagi seimbang terdapat dalam bagian pelaksana kesekretariatan Harian Propinsi, Belum tersedianya dana pendamping dari Rp. 20 milyar tersebut ke LP-KUMMK kepada sasaran binaan (anggota KUB), terdapatnya anggota KUB tidak memenuhi persyaratan yang telah ditentukan dalam petunjuk tehnis. Hasil wawancara kepada pengurus LP-KUMMK telah terkumpul pengembalian angsuran dari kelompok binaan namun belum menunjukkan optimalisasi kelancara angsuran, dimana beberapa kelompok tidak tercatat dalam rekapitulasi. Dari penelitian dapat disimpulkan bahwa cara penyaluran Program Dana Bergulir melalui LP-KUMMK dengan cara menawarkan kepada pengusaha mikro dan mikro kecil disertai dengan penjelasan tentang persyaratan sebagai penerima kredit. Penyaluran dana bergulir ini memakai perjanjian antara Bank dan nasabah yang berpedoman dan sesuai dengan Hukum Perjanjian dan juga memakai prinsip-prinsip pemberian kredit perbankan. Hambatan dan faktor-faktor yang mempengaruhi penyaluran dana bergulir yaitu jumlah tenaga pelaksana kesekretariatan tidak lagi seimbang dengan perbandingan beban tugas, terdapatnya anggota KUB tidak memenuhi persyaratan yang telah ditentukan dalam petunjuk teknis. Pengembalian kredit dari anggota KUB lancar dan setelah selesai waktu pinjaman kredit berminat mengajukan penjaman kredit lagi.

The research on the Implementation of Work Capital Credit for Micro and Smaller Micro Entrepreneurships through Rolling Funds Program of East Kalimantan Province in Samarinda was judicial normative in nature. The research aimed at discovering the mechanism of distributing the Funds which were managed by Foundation for Managing Micro and Smaller Micro Entrepreneurships Group (LP-KUMMK) of East Kalimantan Province, constraints and factors which influenced in the distribution of the Funds as well as the implementation of returning the Funds. The results of research showed that the mechanism of distributing the Funds was conducted by Implementator Body at Province or City Level. The Implementator Body made inventories of UKM and proposed the related KUB to LP-KUMMK. LP-KUMMK then issued a letter of confirmation regarding the KUB and a letter of agreement to grant the funds. The head of KUB opened an account in the Government Bank. Afterwards, the head of LP-KUMMK determined KUB that would be awarded the fund and the amount of funds per member. Both parties then signed a legal agreement after which LP-KUMMK transferred funds from its account to KUB account in the designated bank. The head of KUB then drew the funds and distributed them to the members. Constraints and factors which influenced the process included the work load and the available executors which were not proportional in the executive daily secretariat at Province Level, the unavailability of partner funds amounting to 20 billion rupiah allocated by LP-KUMMK to the targeted people being the members of KUB, the members of KUB who had not fulfilled the requirements. The results of interviews with management of LP-KUMMK showed that the return of installment had been collected from the targeted groups. However, it had not been conducted at best since some groups were not recorded in the recapitulations. From the research, it can be concluded that the distribution of Rolling Funds through LP-KUMMK was undertaken by offering them to the micro and smaller micro entrepreneurs accompanied by the explanations regarding the requirements to fulfill as the credit recipients. The distribution of the Funds was conducted by agreements between the banks and customers which were ruled and conformed to the Agreement Law and employed the principles of granting the banking credits. Constraints and factors which influenced the distribution of the Funds included the non proportional number between the work load and number of executors and the members who did not fulfill the requirements. The return of installment from the members of KUB ran smoothly, after which the members could propose another amount of funds to be borrowed.

Kata Kunci : Hukum Perjanjian,Kredit Modal Kerja,Program Dana Bergulir,Work Capital Credit, Micro and Smaller Micro Entrepreneurships, LP-KUMMK