Micro Finance Institution (Mfi) Analysis And Mfi Implementation Management Model Based On On-Line Information Technology

Abstract

Role of Small and Medium Enterprise (SME) especially since monetary crisis year 1997 viewed as 'rescuer' in maintaining and recovery process of national economics, good in pushing economic growth rate and absorption of labor. SME indicate that during period 2003 - 2006 more than semi growth of Indonesia economics come from middle and small scale effort contribution, even for year 2005 and 2006, have been able to contribute value economics of Indonesia more than 3%. This fact ought to progressively strengthen importantly SME s role in economics of Indonesia. Target this writing is to give form alternative financing management model for SME s in the portal form of financing management aspect based on information technology on-line is applicable and useful to improve effective, efficacy and efficiency of execution management financing by Micro Financial Institution (MFI) which have exist in Indonesian. Data gathered 167 obtained questionnaire of owner SME s in Jabodetabek and supporter data like application form application of financing BRI, BCA, BNI and BDKI. Result of equal to 58,1% small scale enterprise with trade area, accessing financing of business 68,3% constraint faced still centre around difficult problem in fulfilling clauses which there must be, the constraint relate to payment problem 12,6%. Acceptance to information technology 83,2% agreeing and can accept usage of information technology (on-line), for getting information 31.1% and communications 28,7%. Requirement SME s financing portal on-line 53,3%, portal micro financing management on-line can be accessed in www.kredit-ukm.org.