Pengaruh Pembiayaan Ultra Mikro (UMi) terhadap Pertumbuhan Ekonomi Daerah Melalui Pertumbuhan Produksi Industri Mikro dan Kecil

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Vincencia Dian Priliyanti Hia Riya Dwi Handaka Yuris Trisman Zega


To maintain and increase economic growth rates above 5%, since 2017, Indonesia has launched an Ultra Micro Financing program for enterprises below micro and small categories (ultra micro enterprises). The financing is used to complement other types of financing, which is a bank loan for micro, small, and medium enterprises. Using regression method and causal testing to a panel data of 33 provinces in Indonesia during 2017 till 2018, this study aims to prove the direct and indirect effect of MSEs financing on regional economic growth and production growth in provincial regions in Indonesia. This research shows that the MSEs financing has positive impact on the manufacturing production growth but no significant impact on regional economic growth that is shown by Gross Domestic Product (GDP). This research also proves that manufacturing production has significant impact on GDP.

Dalam usaha mencapai tingkat ekonomi di atas 5%, sejak tahun 2017, pemerintah Indonesia telah menerbitkan Pembiayaan Ultra Mikro (UMi), suatu program pembiayaan yang menyasar usaha di bawah kategori mikro dan kecil, yaitu usaha ultra mikro. Pembiayaan ini merupakan program komplemen atas Kredit Usaha Rakyat (KUR), yang berbentuk pinjaman bank terhadap usaha mikro, kecil dan menengah (UMKM). Dengan metode regresi dan analisis jalur atas data panel dari 33 provinsi di Indonesia tahun 2017-2018, penelitian ini bertujuan untuk membuktikan ada tidaknya pengaruh Pembiayaan Ultra Micro terhadap pertumbuhan ekonomi regional dan pertumbuhan produksi industri mikro dan kecil di tingkat provinsi. Penelitian ini menunjukkan bahwa Pembiayaan Ultra Mikro memiliki pengaruh signifikan terhadap pertumbuhan produksi industri mikro dan kecil namun tidak memiliki dampak signifikan terhadap pertumbuhan ekonomi regional, yang ditunjukkan oleh PDRB.

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Hia, V., Handaka, R., & Zega, Y. (2021). Pengaruh Pembiayaan Ultra Mikro (UMi) terhadap Pertumbuhan Ekonomi Daerah Melalui Pertumbuhan Produksi Industri Mikro dan Kecil. Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara Dan Kebijakan Publik, 6(1), 75 - 84.


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