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Title : What is Micro Business? | Business Motivation Success | Online business
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What is Micro Business? | Business Motivation Success | Online business
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According to Bank Indonesia, micro businesses are businesses run by the poor or near poor with characteristics: owned by the family, using simple technology, utilizing local resources, as well as business fields that are easily entered and abandoned.
According to Minister of Finance Decree No. 40 / KMK.06 / 2003 dated January 29, 2003, Micro business is a productive business owned by a family or individual that has a maximum of Rp. 100 million in sales per year, and can apply for credit to a bang of at most Rp. 50 million. The characteristics of Micro Business, include:
- Have not done management / financial records, even if they are simple, or there are still very few who are able to create a business balance sheet.
- Entrepreneurs or HRs have low average education, generally at elementary school level, and do not yet have an adequate entrepreneurial spirit,
- In general do not / do not know banking but are more familiar with loan sharks or middlemen,
- Generally do not have a business license or other legality requirements including NPWP
- Workers or employees who are owned are generally less than 4 people
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| img by Fancycrave.com |
Viewed from the interests of the banking sector, microbusiness is a market segment that has enough potential to be served in increasing its intermediation, because microbusiness has positive and unique characteristics that are not always owned by non-microbusinesses, among others: (Ismeth Abdullah, Info Edition 24 th.2004 )
- Turnover is generally fast. Its ability to absorb funds that are relatively expensive and in a situation of economic crisis, its business activities continue to run even able to develop, due to the relatively low cost of management.
- In general, micro actors are diligent, simple, and can receive guidance provided that it is done with the right approach
The Role of Micro and Small Enterprises (MSEs) According to Rudjito (2003: 40) there are at least four main aspects which are the reasons why MSEs have a strategic role, namely:
- Managerial aspects which include increasing productivity, turnover, itilization rates, occupancy rates, increasing marketing capabilities and human resource development.
- Capital aspects, which include capital assistance (separation of 1-5% of BUMN profits and the obligation to extend credit to small businesses at a minimum of 20%) bank loan portfolios and credit facilities
- Development of partnership programs with large businesses both through the foster-father system, PIR upstream-downstream linkages, forward linkages
- downstream (backward limkage), venture capital or subcontracting.
- Development of small industrial center systems in an area whether in the form of PIK (small industrial settlements), LIK (small industrial environment) supported by UPT (technical service units) and TPI (Industrial Extension Workers).
- Guidance for certain business fields and regions through KUB (joint business groups), Kopinkra (small industry cooperatives and handicrafts)
According to Lestari (2007) to meet the capital requirements, MSEs face at least four problems, namely:
- The still low or limited access of MSEs to various information, services, financial facilities provided by formal finance, both banks and non-banks such as BUMN, venture funds.
- The banking procedures and requirements are too complicated so that the loans obtained do not meet the needs of both the amount and
- time, most banks still place material collateral as a requirement and tend to override business feasibility.
- The interest rate charged is felt to be still high.
- Lack of guidance, especially in financial management, such as financial planning, proposal preparation and so on.
Noer Soetrisno (2004) describes micro and small businesses. Has an important role in economic development which is shown in a number of indicators as follows:
- When economic growth reached 4.8 percent in 2000 where large businesses (UB) had not yet risen, many experts predicted that the contribution would be from micro and small businesses aside from the economic sector.
- The day of the 1998 survey when the beginning of the crisis of 225 thousand micro and small businesses throughout Indonesia showed that only 4 percent of micro businesses
- and small stop their business 64 percent did not experience a change in turnover 31 percent decreased turnover, and even 1 percent actually developed.
- ADB Technical Assistant in 2001 also conducted a survey of 500 micro and small businesses in Medan and Semarang which gave the results that 78 percent of micro and small businesses said they were not affected by the monetary crisis.
According to Bank Indonesia, micro businesses are businesses run by the poor or near poor with characteristics: owned by the family, using simple technology, utilizing local resources, as well as business fields that are easily entered and abandoned.
According to Minister of Finance Decree No. 40 / KMK.06 / 2003 dated January 29, 2003, Micro business is a productive business owned by a family or individual that has a maximum of Rp. 100 million in sales per year, and can apply for credit to a bang of at most Rp. 50 million. The characteristics of Micro Business, include:
- Have not done management / financial records, even if they are simple, or there are still very few who are able to create a business balance sheet.
- Entrepreneurs or HRs have low average education, generally at elementary school level, and do not yet have an adequate entrepreneurial spirit,
- In general do not / do not know banking but are more familiar with loan sharks or middlemen,
- Generally do not have a business license or other legality requirements including NPWP
- Workers or employees who are owned are generally less than 4 people
|
| img by Fancycrave.com |
Viewed from the interests of the banking sector, microbusiness is a market segment that has enough potential to be served in increasing its intermediation, because microbusiness has positive and unique characteristics that are not always owned by non-microbusinesses, among others: (Ismeth Abdullah, Info Edition 24 th.2004 )
- Turnover is generally fast. Its ability to absorb funds that are relatively expensive and in a situation of economic crisis, its business activities continue to run even able to develop, due to the relatively low cost of management.
- In general, micro actors are diligent, simple, and can receive guidance provided that it is done with the right approach
The Role of Micro and Small Enterprises (MSEs) According to Rudjito (2003: 40) there are at least four main aspects which are the reasons why MSEs have a strategic role, namely:
- Managerial aspects which include increasing productivity, turnover, itilization rates, occupancy rates, increasing marketing capabilities and human resource development.
- Capital aspects, which include capital assistance (separation of 1-5% of BUMN profits and the obligation to extend credit to small businesses at a minimum of 20%) bank loan portfolios and credit facilities
- Development of partnership programs with large businesses both through the foster-father system, PIR upstream-downstream linkages, forward linkages
- downstream (backward limkage), venture capital or subcontracting.
- Development of small industrial center systems in an area whether in the form of PIK (small industrial settlements), LIK (small industrial environment) supported by UPT (technical service units) and TPI (Industrial Extension Workers).
- Guidance for certain business fields and regions through KUB (joint business groups), Kopinkra (small industry cooperatives and handicrafts)
According to Lestari (2007) to meet the capital requirements, MSEs face at least four problems, namely:
- The still low or limited access of MSEs to various information, services, financial facilities provided by formal finance, both banks and non-banks such as BUMN, venture funds.
- The banking procedures and requirements are too complicated so that the loans obtained do not meet the needs of both the amount and
- time, most banks still place material collateral as a requirement and tend to override business feasibility.
- The interest rate charged is felt to be still high.
- Lack of guidance, especially in financial management, such as financial planning, proposal preparation and so on.
Noer Soetrisno (2004) describes micro and small businesses. Has an important role in economic development which is shown in a number of indicators as follows:
- When economic growth reached 4.8 percent in 2000 where large businesses (UB) had not yet risen, many experts predicted that the contribution would be from micro and small businesses aside from the economic sector.
- The day of the 1998 survey when the beginning of the crisis of 225 thousand micro and small businesses throughout Indonesia showed that only 4 percent of micro businesses
- and small stop their business 64 percent did not experience a change in turnover 31 percent decreased turnover, and even 1 percent actually developed.
- ADB Technical Assistant in 2001 also conducted a survey of 500 micro and small businesses in Medan and Semarang which gave the results that 78 percent of micro and small businesses said they were not affected by the monetary crisis.
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