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PEMANFAATAN SEKURITISASI ASET DALAM MENDORONG SEKTOR RIIL: ALTERNATIF PEMBIAYAAN UMKM

Bulletin of Monetary Economics and Banking

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Title PEMANFAATAN SEKURITISASI ASET DALAM MENDORONG SEKTOR RIIL: ALTERNATIF PEMBIAYAAN UMKM
 
Creator Santoso, Wijoyo
Soekro, Shinta R.I.
Darmansyah, Darmansyah
Sihaloho, Hilde D.
 
Description This paper analyzes the asset securitization as a source of financing for small and medium scale enterprise. We use field survey and focus group discussion in Jabodetabek, Bandung, Yogyakarta, Denpasar, Medan, and Banjarmasin, covering 149 samples in total. This paper found the banks generally are in excess liquidity condition, therefore face difficulty on obtaining the minimum of Loan to Deposit Ratio (LDR). For this reason, those banks are not interested to sell the SME’s loan though they are quite interested on the asset securitization concept. For the banks, the major motive to invest in asset securitization program is a high yield. In addition, they expect this portfolio to increase the LDR. Prior the implementation of this program, this paper underlines the necessity to overcome some obstacles including non-bankable SME’s, liquidity and human resource of the banks, and limited information of the asset securitazion program (EBA-UMKM).  Keywords: asset securitization, SME’s, banking.JEL Classification: D24, L6, E32
 
Publisher Bank Indonesia
 
Date 2015-01-29
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://www.bmeb-bi.org/index.php/BEMP/article/view/50
10.21098/bemp.v17i2.50
 
Source Buletin Ekonomi Moneter dan Perbankan; Vol 17 No 2 (2014): OCTOBER; 221-239
Buletin Ekonomi Moneter dan Perbankan; Vol 17 No 2 (2014): OCTOBER; 221-239
2460-9196
1410-8046
 
Language eng
 
Relation https://www.bmeb-bi.org/index.php/BEMP/article/view/50/493
 
Rights Copyright (c) 2015 Wijoyo Santoso, Shinta R.I. Soekro, Darmansyah Darmansyah, Hilde D. Sihaloho