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Abstract
ABSTRAK
Untuk dapat bertahan dalam era MEA, penguatan UKM menjadi salah satu faktor penting untuk menjadikan Indonesia mendapat kesempatan yang baik dalam peningkatan perekonomian nasional. Era MEA menuntut peningkatan koperasi agar dapat berdaya saing menghadapi competitor dari negara lain. Koperasi memerlukan modal dalam rangka mengembangkan dan meningkatkan usahanya namun masih sulit mendapat kredit dari bank. UKM anggota koperasi secara umum memiliki karakteristik, kebutuhan dan kemampuan yang berbeda dengan nasabah bank pada umumnya sehingga membutuhkan penanganan yang berbeda. Bank konvensional belum dapat menjawab kesulitan tersebut sehingga dibutuhkan bank khusus untuk koperasi. Saat ini pemerintah telah mengeluarkan linkage program yang dapat digunakan untuk koperasi. Linkage program semestinya dijadikan sebagai sarana edukasi bertahap mulai dari pola channeling hingga executing untuk menguatkan koperasi. Pendirian bank khusus untuk koperasi harus disesuaikan pula dengan Arsitektur Perbankan Indonesia (API). Pada akhirnya diharapkan pendirian bank khusus untuk koperasi akan meningkatkan akses kredit dan pembiayaan UMKM.
Kata kunci: API, bank khusus untuk koperasi, koperasi, linkage program, MEA, UKM.
ABSTRACT
Surviving in the era of AEC (ASEAN Economic Community), strengthen Small and Medium Enterprises become one important factor for Indonesia to improve it’s national economy. AEC era demands Cooperatives in order to compete with competitors from other countries. Unfortunately, the Cooperatives have shortage of funds in developing and enhancing its business. SMEs cooperative members generally have characteristics, needs and abilities that are different from the bank’s clients in general that require different treatment. Conventional banks have not been able to answer the difficulties so that required a special bank for cooperatives. Currently the Government has now issued a Linkage program that can be used for cooperatives. The linkage program should be used as a means of gradual education starting from the channeling pattern to the implementers to strengthen the cooperative. The establishment of a special Bank for cooperatives should be adjusted to the Indonesian Banking Architecture (API). In the end it is expected that special banks for cooperatives will increase access to credit and financing of SMEs.
Keywords: API, bank for cooperative, program linkage, small and medium enterprises, AEC.
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