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"Pemberian kredit kepada pengusaha kecil adalah sarana yang penting untuk mengembangkan dunia usaha kecil. Namun demikian, usaha kecil di Indonesia belum dapat berkembang sebagaimana halnya dengan usaha besar. Hal ini disebabkan terutama karena pemberian kredit di Indonesia lebih menekankan pada agunan kredit. Walaupun konsep pemberian kredit kepada pengusaha kecil merupakan hal yang diwajibkan, tetapi hingga dewasa ini masih merupakan "das sollen", yang masih memerlukan upaya yang terus menerus dalam waktu yang relatif lama, untuk menjadikannya suatu "das sein". Dari sekian banyak faktor yang turut mempengaruhi tercapainya das sollen menjadi das sein itu, diperlukan pengakuan dan perlindungan hukum atas skim-skim kredit dengan persyaratan ringan, agar mudah dimanfaatkan oleh usaha kecil. Tanpa itu, usaha kecil tidak akan mungkin untuk memanfaatkan peluang memperoleh kredit sebagaimana ditentukan oleh ketentuan Kredit Usaha Kecil dalam Pakjan 1990."

"[ABSTRAKDalam menghadapi perekonomian yang semakin global, Pemerintahmenginginkan BUMN-BUMN memiliki daya saing. Untuk mewujudkan hal tersebut, upaya yang dilakukan Pemerintah adalah dengan mengeluarkan kebijakan yang mendorong terjadinya sinergi di antara BUMN, Anak Perusahaan BUMN, dan Perusahaan Terafiliasi BUMN. Kebijakan untuk mendorong terjadinya Sinergi BUMN tersebut, saat ini diterapkan oleh pemerintah melalui Peraturan Menteri BUMN Nomor: Per-15/MBU/2012. Sinergi yang dimaksud dalam peraturan tersebut pada dasarnya adalah dorongan untuk saling melakukan penunjukan langsung di antara BUMN, anak perusahaan dan perusahaan terafiliasinya. Terhadap hal tersebut, KPPU menilai Kebijakan Sinergi BUMN bertentangan dengan prinsip persaingan usaha yang utamanya tercermin dalam putusan dan saran atas perkara nomor 07/KPPU-I/2013.Penelitian ini dilakukan untuk mengetahui bagaimana perspektif kebijakan dan ekonomi persaingan usaha terhadap Kebijakan Sinergi BUMN. Guna menjawab hal tersebut, penelitian ini akan melakukan analisis dengan menggunakan data kualitatif dan data kuantitatif dengan pembatasan studi pada industri jasa teknologi informasi. Data kualitatif dianalisis dengan menggunakan metode penelitian non-doctrinal legal research, sedangkan data kuantitatif dianalisis dengan cara melakukan perhitungan konsentrasi industri. Dari analisis kualitatif yang dilakukan, dapatlah disimpulkan bahwa secara material Kebijakan Sinergi BUMN memiliki beberapa kekurangan yang dapat berdampak terhadap kompetisi ataupun efisiensi. Kendati demikian, oleh karena secara legal formal Kebijakan Sinergi BUMN tetap dapat dilakukan maka diperlukan beberapa perbaikan dalam aturan pelaksanaannya sehingga Kebijakan Sinergi BUMN menjadi tidakberpotensi merugikan persaingan secara luas. Adapun dari pengolahan data kuantitatif yang dilakukan, dapat diketahui bahwa pada industri jasa teknologi informasi khususnya pasar data center services, Kebijakan Sinergi BUMN dapat berpotensi membatasi persaingan. Hal tersebut terlihat dari angka pertumbuhan kinerja pelaku usaha pesaing, meningkatnya penguasaan pasar dan rendahnya efisiensi Perusahaan Terafiliasi BUMN.

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ABSTRACTIn the face of an increasing global economy, Government wants State-Owned Enterprises (SOE) to be more competitive. In order to realize that goal, Government made an effort by issuing policies that foster synergy among SOEs, its Subsidiaries, and Affiliated Companies of the SOE. Currently, policy to encourage business synergy between SOEs is implemented by the Government through SOE?s Minister Regulations No. Per-15 / MBU / 2012. Synergy that stipulated in the minister regulations is basically to permit and encourage procurement with direct appointment method among SOEs, its subsidiaries, andAffiliated Companies of the SOE. On the contrary, the Antitrust Commission considers such kind of policy is against to the principles of competition. Such consideration was mainly reflected in the Commision verdicts and suggestion on case number 07 / KPPU-I / 2013.This research was conducted to determine how the perspective of antitrust economic and policy towards synergy of the SOEs. To answer this, this research performed analysis using quantitative and qualitative data. Such data is limited to the information technology services industry. Qualitative data was analyzed by using non-doctrinal legal research method, while quantitative data was analyzedby calculating industry concentration. From the qualitative analysis carried out, it can be concluded that the SOE? Synergy Policy contains some risks that can influence competition and efficiency. However, because SOE? Synergy Policystill can be legally implemented, some policy-improvements are needed to ensurethat implementation of the policy will not harm competition. From thequantitative data processed, it can be known that competition in informationtechnology services industry in particular market of data center services ispotentially damaged by the SOE? Synergy Policy. This is evident from theperformance of the competitors as well as market share and efficiency ofAffiliated Companies of the SOE.;In the face of an increasing global economy, Government wants State-OwnedEnterprises (SOE) to be more competitive. In order to realize that goal,Government made an effort by issuing policies that foster synergy among SOEs,its Subsidiaries, and Affiliated Companies of the SOE. Currently, policy toencourage business synergy between SOEs is implemented by the Governmentthrough SOE?s Minister Regulations No. Per-15 / MBU / 2012. Synergy thatstipulated in the minister regulations is basically to permit and encourageprocurement with direct appointment method among SOEs, its subsidiaries, andAffiliated Companies of the SOE. On the contrary, the Antitrust-Commissionconsiders such kind of policy is against to the principles of competition. Suchconsideration was mainly reflected in the Commision?s verdicts and suggestion oncase number 07 / KPPU-I / 2013.This research was conducted to determine how the perspective of antitrusteconomic and policy towards synergy of the SOEs. To answer this, this researchperformed analysis using quantitative and qualitative data. Such data is limited tothe information technology services industry. Qualitative data was analyzed byusing non-doctrinal legal research method, while quantitative data was analyzedby calculating industry concentration. From the qualitative analysis carried out, itcan be concluded that the SOE? Synergy Policy contains some risks that caninfluence competition and efficiency. However, because SOE? Synergy Policystill can be legally implemented, some policy-improvements are needed to ensurethat implementation of the policy will not harm competition. From thequantitative data processed, it can be known that competition in informationtechnology services industry in particular market of data center services ispotentially damaged by the SOE? Synergy Policy. This is evident from theperformance of the competitors as well as market share and efficiency ofAffiliated Companies of the SOE.;In the face of an increasing global economy, Government wants State-OwnedEnterprises (SOE) to be more competitive. In order to realize that goal,Government made an effort by issuing policies that foster synergy among SOEs,its Subsidiaries, and Affiliated Companies of the SOE. Currently, policy toencourage business synergy between SOEs is implemented by the Governmentthrough SOE?s Minister Regulations No. Per-15 / MBU / 2012. Synergy thatstipulated in the minister regulations is basically to permit and encourageprocurement with direct appointment method among SOEs, its subsidiaries, andAffiliated Companies of the SOE. On the contrary, the Antitrust-Commissionconsiders such kind of policy is against to the principles of competition. Suchconsideration was mainly reflected in the Commision?s verdicts and suggestion oncase number 07 / KPPU-I / 2013.This research was conducted to determine how the perspective of antitrusteconomic and policy towards synergy of the SOEs. To answer this, this researchperformed analysis using quantitative and qualitative data. Such data is limited tothe information technology services industry. Qualitative data was analyzed byusing non-doctrinal legal research method, while quantitative data was analyzedby calculating industry concentration. From the qualitative analysis carried out, itcan be concluded that the SOE? Synergy Policy contains some risks that caninfluence competition and efficiency. However, because SOE? Synergy Policystill can be legally implemented, some policy-improvements are needed to ensurethat implementation of the policy will not harm competition. From thequantitative data processed, it can be known that competition in informationtechnology services industry in particular market of data center services ispotentially damaged by the SOE? Synergy Policy. This is evident from theperformance of the competitors as well as market share and efficiency ofAffiliated Companies of the SOE.;In the face of an increasing global economy, Government wants State-OwnedEnterprises (SOE) to be more competitive. In order to realize that goal,Government made an effort by issuing policies that foster synergy among SOEs,its Subsidiaries, and Affiliated Companies of the SOE. Currently, policy toencourage business synergy between SOEs is implemented by the Governmentthrough SOE?s Minister Regulations No. Per-15 / MBU / 2012. Synergy thatstipulated in the minister regulations is basically to permit and encourageprocurement with direct appointment method among SOEs, its subsidiaries, andAffiliated Companies of the SOE. On the contrary, the Antitrust-Commissionconsiders such kind of policy is against to the principles of competition. Suchconsideration was mainly reflected in the Commision?s verdicts and suggestion oncase number 07 / KPPU-I / 2013.This research was conducted to determine how the perspective of antitrusteconomic and policy towards synergy of the SOEs. To answer this, this researchperformed analysis using quantitative and qualitative data. Such data is limited tothe information technology services industry. Qualitative data was analyzed byusing non-doctrinal legal research method, while quantitative data was analyzedby calculating industry concentration. From the qualitative analysis carried out, itcan be concluded that the SOE? Synergy Policy contains some risks that caninfluence competition and efficiency. However, because SOE? Synergy Policystill can be legally implemented, some policy-improvements are needed to ensurethat implementation of the policy will not harm competition. From thequantitative data processed, it can be known that competition in informationtechnology services industry in particular market of data center services ispotentially damaged by the SOE? Synergy Policy. This is evident from theperformance of the competitors as well as market share and efficiency ofAffiliated Companies of the SOE., In the face of an increasing global economy, Government wants State-OwnedEnterprises (SOE) to be more competitive. In order to realize that goal,Government made an effort by issuing policies that foster synergy among SOEs,its Subsidiaries, and Affiliated Companies of the SOE. Currently, policy toencourage business synergy between SOEs is implemented by the Governmentthrough SOE’s Minister Regulations No. Per-15 / MBU / 2012. Synergy thatstipulated in the minister regulations is basically to permit and encourageprocurement with direct appointment method among SOEs, its subsidiaries, andAffiliated Companies of the SOE. On the contrary, the Antitrust-Commissionconsiders such kind of policy is against to the principles of competition. Suchconsideration was mainly reflected in the Commision’s verdicts and suggestion oncase number 07 / KPPU-I / 2013.This research was conducted to determine how the perspective of antitrusteconomic and policy towards synergy of the SOEs. To answer this, this researchperformed analysis using quantitative and qualitative data. Such data is limited tothe information technology services industry. Qualitative data was analyzed byusing non-doctrinal legal research method, while quantitative data was analyzedby calculating industry concentration. From the qualitative analysis carried out, itcan be concluded that the SOE’ Synergy Policy contains some risks that caninfluence competition and efficiency. However, because SOE’ Synergy Policystill can be legally implemented, some policy-improvements are needed to ensurethat implementation of the policy will not harm competition. From thequantitative data processed, it can be known that competition in informationtechnology services industry in particular market of data center services ispotentially damaged by the SOE’ Synergy Policy. This is evident from theperformance of the competitors as well as market share and efficiency ofAffiliated Companies of the SOE.]"

"Usaha Mikro, Kecil, dan Menengah mempunyai peran besar dan memiliki potensi sebagai alat penunjang dalam pertumbuhan ekonomi nasional. Perbankan masih dianggap kurang dalam menyalurkan kredit kepada UMKM. Bank Syariah dapat dijadikan sebagai alternatif bagi perkembangan UMKM untuk memecahkan masalah akses pembiayaan karena saat ini pembiayaan yang disalurkan oleh bank syariah didominasi oleh pembiayaan kepada UMKM. Dengan pertimbangan tersebut maka tujuan penelitian ini adalah membahas mengenai faktor-faktor yang mempengaruhi pembiayaan yang disalurkan oleh bank syariah di Indonesia. Data Penelitian ini diolah menggunakan program Eviews 6.0 dengan metode data panel dan hasil penelitian menjelaskan ROA, NPF, dan PDB tidak mempengaruhi porsi pembiayaan mikro, kecil, dan menengah yang disalurkan sedangkan ukuran bank (size) signifikan mempengaruhi dengan prob. sebesar 0.0002.

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Micro, Small and Medium Enterprises has a big role and has potential as a means of supporting the growth of the national economy. Banking is still considered to be less in lending to MSMEs. Islamic Banking can be used as an alternative for the development of SMEs to solve the problem of access to financing due to the current financing disbursed by Islamic banks dominated financing to SMEs. with these considerations, the aim of this study is to discuss the factors that influence the financing disbursed by Islamic banks in Indonesia.

The research data was processed using Eviews 6.0 program with panel data methods and results of the study describes the ROA, NPF, and GDP does not affect the portion of financing micro, small, and medium enterprises. Whereas bank size (size) significantly positive affect with a probability of 0.0002."

"Usaha mikro, kecil, dan menengah UMKM memiliki peran penting dalam pertumbuhan ekonomi di Indonesia, baik dari segi kontribusi terhadap PDB dan penciptaan lapangan pekerjaan. UMKM juga harus menghadapi tantangan global, yaitu menanggapi peluang bisnis dan mempertahankan bisnisnya untuk mencapai keberlanjutan. Namun, sebagian besar dari mereka belum memperhatikan aspek keberlanjutan dan memiliki beberapa masalah dalam mengukur pencapaian keberlanjutan bisnisnya. Pengukuran kinerja harus dilakukan untuk mengetahui kondisi dan posisi bisnis dalam industri. Metode analytical hierarchy process AHP digunakan pada penelitian ini untuk mendapatkan pembobotan pada indikator kinerja utama yang selanjutnya digunakan untuk pengukuran pencapaian keberlanjutan. Penelitian ini menghasilkan rancangan indikator kinerja utama untuk mengevaluasi keberlanjutan bisnis yang sesuai dengan usaha mikro carica di Wonosobo Dieng berdasarkan aspek ekonomi, sosial, dan lingkungan serta rekomendasi strategi.

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Micro, small, and medium enterprises SMEs have a vital role in the growth of economy in Indonesia, both in terms of contribution to GDP and creation of employment opportunities. They also should face global challenges, which are respond to business opportunities and maintain their business to achieve sustainability. But, most of them haven rsquo t paid attention to sustainability aspects and have some problems to measure their sustainability achievement. Performance measurement should be conducted to know the situation and position of the business. Analytical hierarchy process AHP was used in this study to obtain the weighting of key performance indicators are then used to measure sustainability achievement. This paper proposes a set of Key Performance Indicators KPIs for evaluating sustainable business believed to be appropriate for the micro enterprises carica industry in Wonosobo Dieng based on the triple bottom line of sustainability, which are economy, social, and environment, as well as giving strategy recommendations."