TINJAUAN YURIDIS TERHADAP PEMBERIAN KREDIT KEPADA USAHA MIKRO KECIL DAN MENENGAH (UMKM) OLEH BANK UMUM

Abstract

The limited collateral provided by UMKM implies that it is difficult for this business unit to obtain credit at banks, which is one of the facilities for UMKM to get the needed assistance.In research evaluating this law using the normative juridical discussion method. The results of the study which stated that the regulation of UMKM in Lending by Commercial Banks was approved was Act Number 20 of 2008 concerning Micro, Small and Medium Enterprises, which contained a general understanding, criteria and objectives of UMKM. UMKM in bank loans by commercial banks that are in Decree Number: KEP-01/D.I.M.EKON/01/2010 Concerning Operational Standards and Procedures for the Implementation of People's Business Loans, which specifically discusses procedures for granting community business loans to UMKM by commercial banks