• About UGM
  • SIMASTER
  • SINTESIS
  • Public Information
  • SDGs
  • English
    • Bahasa Indonesia
    • English
Universitas Gadjah Mada Universitas Gadjah Mada
Faculty of Economics and Business
  •  About Us
    • Overview
    • History of The Establishment
    • Mission & Vission
    • School Values
    • School Leadership
    • Senate Leadership
    • Department Leadership
    • Study Program Leadership
    • Unit Leadership
    • Faculty Advisory Board
    • Annual Report
    • Campus Facilities
    • Visual Identity
    • News Room
    • The 70th Anniversary
  • Academic Programs
    • Undergraduate Program
    • Master Program
    • Doctoral Program
    • Profession Program
    • Short Academic Programs
    • Professional Programs & Certification
    • International Undergraduate Program
    • International Doctorate in Business (IDB)
    • Academic Calendar
    • Rooms and Events
  • Faculty & Research
    • School Memberships
    • School Accreditation
    • International Networks
    • Faculty Members
    • Visiting Professor & Research Fellows
    • Professional Staffs
    • Publications
    • Published Journals
    • Working Papers
    • Fields of Study
    • Supporting Units
    • International Conference Partnership
    • Call for Papers
    • Community Service
    • Faculty Library
  • Admission
  • Home
  • News

Micro Entrepreneurs Accessing Banking Still Very Low

  • News
  • 23 January 2014, 16.25
  • By : Admin

Access to finance became quite disturbing business continuity issues relating to micro entrepreneurs. Because of the survey conducted in 2011 showed less than 20 percent of Indonesian people who have access to the bank for credit.

According to Abdul Jabir Uksim, the economic downturn on developing countries more due to the inability to raise capital institutions are typical for micro-enterprises. Though based on data Koperasi and SIUP (Business and Trade License) in 2013, microeconomics activists in Indonesia reached 98.78 percent with a turnover of 300 million per year, or 25 million per month.

“Capital base from which, they can develop such as what, if left as it will continue in the position of the micro and small, and when to medium or hold onto anything. This has been a concern,” said Chairman of the Small Business Incubation Center in seminar themed People’s Economics Building the Economy Towards Independent Village “Advancing Micro Finance People’s Economy” at the Faculty of Economics and Business UGM, on Tuesday ( 21/1 ) .

Micro-entrepreneurs, said Abdul Jabir Uksim, need access to information, public services, administrative bureaucracy, input output markets, technologies, networks and finance. Of those, the finance became the most important thing because the others will be developed in accordance with the scale of the effort required.

“Aspects finance is what causes growth, could lead counseling and guidance for farmers, for example, from on-farm and to have greatest added value,” he explained.

Abdul Jabir Uksim argued to simplify access to financial institutions, micro finance institutions need to be established. In order to meet the needs of the community, the farmer community for example needs to be collected to formed institutions similar with Koperasi. With a kind of Koperasi, they receive training, certification and financing channel.

“We have three resources access on early financing through Koperasi, Amanah Centura Syariah, micro-finance institutions. These three institutions are usually incubate early, which will provide capacity building, training, mentoring system which is expected to make them self-sufficient,” he said.

Eko Suwardi, M.Sc., Ph.D., vice Dean for Planning and Information System of FEB UGM revealed despite best efforts, however, due to limited communication and ego factor makes all the micro entrepreneurs do not connect. Because it is necessary initiatives to advance themselves, their families and communities.

“Let the factor’s ego that inhibits us beat, the more important is how to initiatives that exist in our society, farmers, micro-businesses and together in order to building the village, district, Jogjakarta and at last to build Indonesia,” he said.

Prof. Dr. Gunawan Sumodiningrat adding the key to success in national development is in financial management. People build must to work to earn that ultimately support herself. “Working for savings, savings are managed by the financial institutions and the Indonesian people fall asleep for so long, that the real development is from the people, by the people for the people,” he added.

Source: Agung/UGM

Views: 122

Related Posts

Nurul Indarti

Students Encouraged to Design Innovative Solutions through Design Thinking

News Monday, 28 July 2025

Creative and empathetic problem-solving was the central message of FEB UGM Professor, Prof. Nurul Indarti, Sivilokonom, Cand.Merc., Ph.D., to students from nine countries.

Apia Dewi Agustin

The Story of Apia, PMDSU Scholarship Recipient and Best Graduate of the Master of Science in Accounting FEB UGM

Graduation Friday, 25 July 2025

Do you still remember Apia Dewi Agustin? Her name once captured the public’s attention with her inspiring story. This young woman from a remote village in Magetan Regency, East Java, successfully pursued her undergraduate degree and then continued her Master’s and Doctoral studies at the Faculty of Economics and Business, Universitas Gadjah Mada (FEB UGM), free of charge, thanks to her academic achievements.

Now, Apia has once again made her alma mater proud.

Primastuti Indah Suryani

Optimizing Social Media to Boost MSME Visibility

News Friday, 25 July 2025

Building a brand and reaching consumers no longer rely solely on conventional promotions. Social media has become a primary channel for shaping a business’s image.

Field Trip GSW 2025

GSW 2025 Invites International Students to Explore Industry and Art in Yogyakarta

News Friday, 25 July 2025

The clinking sound of metal echoes through a silver craft workshop in Kotagede, Yogyakarta. Skilled hands carefully hammer sheets of silver on a steel anvil.

Latest News

  • Students Encouraged to Design Innovative Solutions through Design Thinking
    July 28, 2025
  • The Story of Apia, PMDSU Scholarship Recipient and Best Graduate of the Master of Science in Accounting FEB UGM
    July 25, 2025
  • Optimizing Social Media to Boost MSME Visibility
    July 25, 2025
  • GSW 2025 Invites International Students to Explore Industry and Art in Yogyakarta
    July 25, 2025
  • Green Jobs and Green Curriculum, the Key to Indonesia’s Tourism Future
    July 24, 2025

Related Article

  • Students Encouraged to Design Innovative Solutions through Design Thinking
    July 28, 2025
  • The Story of Apia, PMDSU Scholarship Recipient and Best Graduate of the Master of Science in Accounting FEB UGM
    July 25, 2025
  • Optimizing Social Media to Boost MSME Visibility
    July 25, 2025
  • GSW 2025 Invites International Students to Explore Industry and Art in Yogyakarta
    July 25, 2025
  • Green Jobs and Green Curriculum, the Key to Indonesia’s Tourism Future
    July 24, 2025
Universitas Gadjah Mada

Universitas Gadjah Mada
Faculty of Economics and Business

Jln. Sosio Humaniora No.1, Bulaksumur, Yogyakarta, Indonesia 55281

Map & Direction
More Contact Information

Department

  • Accounting
  • Economics
  • Management

Faculty Directory

  • Public Information
  • Room Management
  • Asset Management
  • Cemetery Management

Alumni

  • Alumni Community
  • Alumni Services
  • Tracer Study
  • Jobs & Internships
  • Scholarships

Social Media

© 2025 Faculty of Economics and Business UGM

DisclaimerSite Map

๐Ÿ’ฌ Need help?
1
FEB UGM Official WhatsApp
Hello ๐Ÿ‘‹
Can we help you?
Open chat