PERKEMBANGAN, TANTANGAN, DAN PERSPEKTIF KEBIJAKAN PENGEMBANGAN LEMBAGA PERKREDITAN DESA (LPD) BALI SEBAGAI INTERMEDIASI KEUANGAN

Mandala Harefa

Abstract

Micro finance institutions in Indonesia has already established since long time in helping people economy in rural areas, including in Bali. Its role to support micro and small businesses has also showed that those financial institutions become much more needed by rural society to boost their economy. This research aims to know the development and role of micro finance institutions as well as their challenges as one of financial institutions in the Bali Province. The number of micro finance institution, which said as Lembaga Perkreditan Desa in Bali has, in fact, significantly grown by 1.421 units and its asset reached Rp. 11.4 trillion in 2014. This research uses descriptive methods within qualitatives research approach. This research, applied a descriptive qualitative method shows that the micro finance development and its role in Bali is fairly good; this can be seen from the total saving they can collect which reached Rp. 12,5 trillion. Nevertheless, for the sake of the safety of public savings, there is a need to set up a special agent which can cooperate with local government bank, such as Bank Pembangunan Daerah Bali and Otoritas Jasa Keuangan.

Keywords

micro finance; Credit Risk Management; rural credit institutions; finance intermediate; Bali

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References

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Daftar Narasumber Wawancara :

Biro Perekonomian Setda bidang Perekonomian Provinsi Bali.

Dr. I Gusti Wayan Murjana Yasa, SE., MSi Fakultas Ekonomi dan Bisnis Universitas Udayana Universita Udayana Denpasar Bali.

Kepala Bidang Perencanaan Bappeda Provinsi Bali.

Kepala Bagian UKM Dinas Koperasi dan UKM Provinsi Bali

Kepala Biro ekonomi dan Pembangunan Provinsi Bali

Kepala Kantor Otoritas Jasa Keuangan Bali.

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