Effectiveness of Financing Distribution for SMEs Agriculture in Bandar Lampung, Indonesia
Fadila Marga Saty, Marlinda Apriyani, Sri Handayani
Politeknik Negeri Lampung
Abstract
The growth of SMEs in Lampung Province, especially Bandar Lampung City, increases every year, around 10%. Among several SMEs, the biggest contributor to SMEs growth was agriculture by 40%. Realizing the large role of SMEs in agriculture in the national and regional economies, it is only natural that capital assistance programs (financing) receive greater attention as a program that supports the existence of SMEs. The capital can The funding made bank and non-bank institutions in Bandar Lampung is expected to increase the income and number of Micro, Small and Medium Enterprises. Other benefits are expected to increase employment opportunities and broader marketing. This study aims to analyze the effectiveness of funding distribution in agricultural SMEs in Bandar Lampung. Data retrieval uses a questionnaire as a tool with the number of respondents 40 people as SMEs actors who conduct financing. Data were analyzed descriptively and quantitatively. The results showed that the distribution of funding provided had a positive impact on increasing income for SMEs agriculture in Bandar Lampung. This indicates that the management of financing for business funds has been carried out as well as possible to bring changes to the business being carried out so that the funding channeled bank and non-bank financing institutions can be categorized as effective.
Keywords: effectiveness, financing, SMEs
Topic: Agroindustry and Agribusiness