Pinjaman Program Kemitraan pada Peningkatan Kinerja Mitra Binaan PT Sucofindo (Persero) di Jabotabek
Abstract: Partnership program
is a program aimed to increase the ability of small businesses to be resilient
and self-sufficient through the use of funds less than 1%-2% of net profit.
Partnership program has targeted in small business in the company’s region area
which has been doing the business activities for at least 1 year, owning
prospects to be developed and not yet having sufficient collateral to obtain
bank credit and and has turnover below 200 million. PT Sucofindo (Persero) is a
State-owned Business which gives loans to small and medium enterprises (SMEs)
through the Program of Partnership and Environment Management. The aim of this
study was to analyze: (1) financial profit margin ratio, ROTA, ROE, the
circulation of work capital, (2) the changes of turnover, and (3) the changes
of labours before and after the partnership loan program to the SME. The study
was conducted from April to July 2011 in Jabotabek. Primary data was collected
from questioner, interviews and observation, secondary data was collected from
literature such as journals, magazines and books. The object was SME that has
received the loan from Program of Partnership and Environment Management within
1 to 3 years. The results showed that there was an increase in the measures of
SME financial performance, namely: (1) Profit Margin (PM), (2) ROTA, (3) ROE,
(4) WCT, (5) Sales and (6) Labours. The conclusion of this study was that PT
Sucofindo (Persero) should socialize the procedure to reach the facility of the
credit of work capital to the SME.
Keywords: Small and Medium
Enterprise, Program of Partnership and Environment Management, loan, financial
performance
Penulis: Heri Suprayitno,
Hartrisari Hardjomidjojo, Ma'mun Sarma
Kode Jurnal: jpmanajemendd130618
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