Kebijakan Inklusivitas Keuangan Layanan Pengembangan UMKM di Kecamatan Jatiyoso, Karanganyar

Abstract

This research aims to look at the condition of community accessibility to financial services to develop micro and small businesses in Jatiyoso District, Karanganyar Regency. The financial service in question is People's Business Credit, which is a banking product aimed at small and weak entrepreneurs who want to develop their business. KUR is one of the government's efforts to provide equal access for the community, especially small entrepreneurs, as a form of equality in providing public services. To collect data, researchers conducted structured interviews with informants obtained using purposive sampling techniques. Informants are micro and small business entrepreneurs who intend to develop their businesses, divided into two informant criteria, namely informants with a bachelor's degree and informants with less than a bachelor's degree. To see accessibility, the theory used is accessibility theory which consists of 3 dimensions, namely cognitive, behavioral and administrative bureaucracy. From the results of interviews with informants with less than a bachelor's degree, it was found that the Jatiyoso community's understanding of KUR is still low, the community's communication patterns are low, the level of self-confidence is still low, they feel that every requirement is very complicated and troublesome, there is social distance between service providers and recipients and Conventional thinking hinders public access. Factors that influence accessibility conditions are education and socio-economic status.