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Original Research

PONTIANAK MSME STRATEGY TO GET FUNDING FROM BANK KALBAR

DIDI HARYONO 1, GUMILAR RUSLIWA SOMANTRI 2, and HANIEF SAHA GHAFUR 3.

Vol 18, No 02 ( 2023 )   |  DOI: 10.17605/OSF.IO/KQMXP   |   Author Affiliation: School of Strategic and Global Studies, University of Indonesia, Jakarta, Indonesia 1,2,3.   |   Licensing: CC 4.0   |   Pg no: 19-31   |   Published on: 06-02-2023

Abstract

This study aims to provide a banking strategy in assessing an MSME whether it is feasible to get the financing. The limitation of this research is the financing carried out by the Bank of West Kalimantan. This strategy is carried out in order to prevent banks from the problem of bad debts. MSMEs starting from the 2000s have become prima donnas that are being raised, especially during the Covid-19 pandemic, where the world economy is unstable at that time MSMEs are spearheading the wheels of the community's economy. The method used in this study is to use SWOT with a descriptive qualitative approach. The stage carried out is to analyze internal factors as strengths and weaknesses owned by Bank Kalbar. The next factor is external factors as an analysis to find out the opportunities and threats that must be faced by Bank Kalbar. The result of this study is an increase in Bank Kalbar's profitability by 20% in 2021. From the SWOT analysis, the results of internal factors show a high position, this can be interpreted to mean that the company has strengths and few weaknesses. Meanwhile, in external factors, bank Kalbar's results have many opportunities and few threats


Keywords

SWOT, UMKM, Bank Kalbar, Strategy, Covid-19