Efektivitas “Digital Lending Pada Lending Model (Studi Kasus Kredit Usaha Rakyat Bank Mandiri)
DOI:
https://doi.org/10.31334/abiwara.v5i2.4041Keywords:
Digital lending, , Lending model, Kredit bank UMKMAbstract
Pemberdayaan ekonomi Usaha Mikro Kecil Menengah (UMKM) melalui lending model yaitu suatu strategi pemberian kredit melalui komunitas UMKM yang mempunyai komoditas dan kebutuhan bahan baku yang sama sudah, direlease oleh Bank Indonesia guna akselerasi kredit. Tujuannya untuk mengendalikan inflasi bahan baku, akselerasi potensi ekspor dan pendukung pariwisata serta mendukung UMKM menuju kestabilan permodalan. Lending Model dengan Digital Lending menjadi menjadi kebutuhan UMKM modern guna mengakses proposal pinjaman kredit lebih cepat dan memonitor proses persetujuan kredit. Tujuan penelitian untuk menganalisis efektivitas kredit berbasis digital lending dari lending model yang digulirkan BI dan pengaruhnya terhadap produktivitas UMKM. Teori yang digunakan adalah teori efektivitas menurut Sutrisno dengan metode penelitan kualitatif deskriptif, dengan teknik observasi, wawancara dan study dokumentasi. Dari indicator efektivitas program ini secara pemahaman program, ketepatan sasaran, ketepatan waktu, dan tercapainya tujuan, dan perubahan nyata sangat efektif karena mampu mengangkat ekonomi pelaku UMKMReferences
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Penulis : Rika Anggraeni - Bisnis.com https://www.bankmandiri.co.id/en/press-detail?primaryKey=212074708&backUrl=/press
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