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Bantu Pedagang Cilik, Ini Beda Fasilitas Umi dengan KUR | Databoks
IKLAN

Bantu Pedagang Cilik, Ini Beda Fasilitas Umi dengan KUR

Plafon UMi dan KUR (2019)*

Sumber : Kementerian Keuangan (Kemenkeu), 2019

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Disalin..
IKLAN

Penulis: Erlina F. Santika

Editor: Erlina F. Santika

1/3/2023, 18.32 WIB

Kementerian Keuangan (Kemenkeu) memiliki program pembiayaan Ultra Mikro (Umi) yang fokus menyasar pedagang kecil.

Program ini merupakan pengembangan dari bantuan sosial (bansos). Melalui situsnya, Kemenkeu menyebut program ini disediakan untuk lapisan terbawah yang belum bisa difasilitasi perbankan melalui program Kredit Usaha Rakyat (KUR).

Umi memberikan pinjaman pembiayaan maksimal Rp10 juta per nasabah dan disalurkan oleh Lembaga Keuangan Bukan Bank (LKBB).

"Sumber pendanaan berasal dari APBN, kontribusi pemerintah daerah dan lembaga-lembaga keuangan, baik domestik maupun global," tulis Kemenkeu di lamannya.

Pada 2023 ini, target debitur Umi sebanyak 2,2 juta yang akan disalurkan oleh Badan Layanan Umum (BLU) Pusat Investasi Pemerintah (PIP).

Angka tersebut meningkat dari realisasi penyaluran pembiayaan Umi selama 2022 yang mencapai 2,01 juta debitur dengan nilai sebesar Rp 8,13 triliun, seperti yang diwartakan oleh Berita Satu.

Lantas, apa bedanya Umi dengan KUR?

(Baca juga: Penyaluran Kredit Usaha Rakyat Makin Besar Tiap Tahun)

Umi disalurkan oleh LKBB. Plafon pembiayaannya maksimal Rp10 juta. Tenor pinjaman Umi termasuk jangka pendek, tak boleh lebih dari 52 minggu.

Umi tak ada agunan. Namun pada praktik pembiayaannya, penerima wajib mengikuti pelatihan dan mendapat pendampingan.

PIP akan memberikan pinjaman ke LKBB dengan bunga 2%-4%. Prosedur pinjamannya dengan mekanisme LKBB.

Sementara KUR, disalurkan oleh perbankan dan lembaga keuangan. Ada dua jenis plafon dalam skema KUR.

Pertama, maksimal Rp25 juta untuk usaha mikro. Kedua, Rp25 juta sampai dengan Rp500 juta untuk ritel. Para penerima kategori usaha mikro dan kecil diberi tenor pinjaman jangka panjang, lebih dari satu tahun.

Agunan KUR untuk usaha kecil diatur dalam ketentuan perbankan. Penerima tidak mendapat pendampingan dan pelatihan.

Terdapat subsidi bunga dari pemerintah. Sementara prosedur pinjaman melalui mekanisme perbankan.

 

Syarat mendapatkan Umi:

  • Tidak sedang dibiayai oleh lembaga keuangan/koperasi.
  • Warga Negara Indonesia (WNI) dibuktikan dengan Nomor Induk Kependudukan Elektronik.
  • Memiliki ijin usaha/keterangan usaha dari instansi pemerintah dan/atau surat keterangan usaha dari penyalur.

Lembaga penyalur Umi:

  • Kreasi Umi (PT Pegadaian)
  • Mekaar (PT Permodalan Nasional Madani)
  • Koperasi (PT Bahana Artha Ventura)

(Baca juga: Jumlah Industri Mikro Kecil Bertumbuh di Jakarta, Berapa Angkanya?)

IKLAN