KEBIJAKAN RELAKSASI PADA USAHA MIKRO KECIL DAN MENENGAH (UMKM) TERDAMPAK COVID-19 DI BANK SYARIAH INDONESIA KOTA DEPOK

Seftian Telaumbanua; Muhammad Cholifihani

doi:10.59689/rp.v1i1.42

Authors

Seftian Telaumbanua Universitas Esa Unggul
Muhammad Cholifihani Universitas Esa Unggul https://orcid.org/0000-0003-2864-5823

DOI:

https://doi.org/10.59689/rp.v1i1.42

Keywords:

financial relaxation, creative economy, small and medium enterprise

Abstract

National economic growth is supported by the development of creative economic actors. A creative economy is an economic concept based on the utilization of human resources. An important aspect of the development of the creative economy is the availability of financial institutions that can provide funding for the growth and development of the creative economy. However, the problem faced by creative economy actors in Indonesia is the difficulty of accessing funding to banking financial institutions due to banking policies that apply the precautionary principle, one of which is the collateral assessment policy, which is not owned by creative economy actors, because creative economy actors are dominated by Micro, Small and Medium Enterprises (MSMEs). This study aims to analyze the implementation of the financing relaxation policy for MSMEs at Indonesian Islamic Banks in Depok City. This study uses a qualitative descriptive research method using in-depth interviews, observations, and studies of documentation. The results of this study indicate that the implementation of the policy for relaxation of MSME financing affected by Covid-19 and force majeure risk management carried out by Islamic financial institutions, especially BSI Depok City, is quite good, on how to socialize about financing relaxation to customers, facilitate the relaxation application process, to management. the risk carried out by BSI Depok City so that the bank's finances remain stable.

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