Pemberlakuan Pemberian Jaminan Kredit Permodalan Bagi UMKM Ditinjau Dari PP Nomor 23 Tahun 2020 Tentang Program Pemulihan Ekonomi Nasional Untuk Penanganan Pandemi Covid-19

Authors

  • Niko Riswanto Tampubolon Fakultas Hukum Universitas HKBP Nommensen Medan
  • Roida Nababan Universitas HKBP Nommensen
  • Lesson Sihotang Universitas HKBP Nommensen

Keywords:

Enforcement,, Credit Guarantee, , PP Number 23 Year 2020

Abstract

Micro, Small and Medium Enterprises (MSMEs) so far have shown a strategic role in expanding employment opportunities, increasing people's incomes, and economic growth in Indonesia, so their development needs to be supported. To support this achievement, it is necessary to encourage the provision of capital credit for MSMEs to increase. Therefore, it must be regulated how the Micro, Small and Medium Business Credit Provision Mechanism regulates the procedure for calculating and monitoring the achievement of MSME Credit or Financing, while also implementing the 5C and 7P in the MSME loan application mechanism.

Barriers to the Implementation of Providing Capital Credit Guarantees for Micro, Small and Medium Enterprises in terms of PP No. 23 of 2020 are the low education of Indonesian citizens and information that is not accessible to all levels of society. Counseling by the government is not comprehensive due to several factors, one of which is the Large-Scale Social Restrictions set by the government to prevent the spread of the Covid-19 Virus.

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Published

2022-11-30