Perlindungan Hukum Bagi Usaha Mikro Kecil Dan Menengah (UMKM) Dalam Mendapatkan Kredit Modal Usaha (Studi Pada PT. Bank Rakyat Indonesia Batam

Benny Gabriel Sinaga, Rizki Tri Anugrah Bhakti, Seftia Azrianti, Pristika Handayani, Eunike Prischila Putri Adelia, Dimas Purnawan Bahtiar, Calista Salsabila, Azwar Anas

Abstract


Micro, Small and Medium Enterprises are small-scale people's economic activities. The most difficult obstacles faced by small entrepreneurs are related to capital, company financial management, marketing access, and multi-business focus. Business opportunities for Small and Medium Enterprises have recently become increasingly narrow, because the activities that MSMEs can carry out have been taken over by large businesses.
Research purposes is to determine legal protection and obstacles for micro, small and medium enterprises in obtaining business capital credit at PT. Bank Rakyat Indonesia Batam. Barriers for Micro, Small and Medium Enterprises (MSMEs) in Obtaining Business Capital Credit at PT. Bank Rakyat Indonesia Batam.
In a Micro, Small and Medium Enterprise to obtain business capital, one way is to obtain credit by PT. Bank Rakyat Indonesia is considered to need a legal regulation by providing legal protection. According to Republic of Indonesia Law Number 10 of 1998 it is said that credit is the provision of money. In order for Micro, Small and Medium Enterprises to develop, they need funds to advance their businesses by taking out loans or credit from banks, in order to obtain additional funds needed to develop the business of these Small and Medium Enterprises.
Keywords: Micro, Small and Medium Enterprises, Legal Protection, Barriers to Small and Medium Enterprises

Keywords


Usaha Mikro Kecil dan Menengah, Perlindungan Hukum, Hambatan usaha Mikro Kecil dan Menengah

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