文章基本信息

标题：PEMANFAATAN SEKURITISASI ASET DALAM MENDORONG SEKTOR RIIL: ALTERNATIF PEMBIAYAAN UMKM
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作者：Wijoyo Santoso ; Shinta R.I. Soekro ; Darmansyah Darmansyah 等
期刊名称：Bulletin Ekonomi Moneter dan Perbankan
印刷版ISSN：1410-8046
电子版ISSN：2460-9196
出版年度：2015
卷号：17
期号：2
页码：221-239
DOI：10.21098/bemp.v17i2.50
出版社：Bank Indonesia
摘要：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).
关键词：asset securitization; SME's; banking