{"title":"金融机构、政府和企业的合作改善了行业雇员合作作为印尼经济部门发展替代方案的作用","authors":"Endah Robiatul Adawiyah","doi":"10.33650/PROFIT.V4I1.911","DOIUrl":null,"url":null,"abstract":"The role of cooperative and MSMEs in economic growth are very important. In 1998, Indonesia experienced economic crisis, the cooperative business units and MSMEs were relatively stable and able to survive compared to the large companies. According to date from the ministry of cooperatives and UMKM, in 2019 the number of cooperatives will be 126,343 units, although this number has decreased from 2014, which was 212,570 units. Seeing this certainly becomes a big hope or opportunity for Indonesia economic growth, however in general the development of cooperatives, still experiences various obstacles, especially in terms of capital and accessing capital sources. In Act no.3 of 2004, Bank Indonesian Bank policy in assisting the development of small and medium-sized businesses and cooperatives , is more about technical assistance and institutional development. The task of managing credit has been transferred to SOEs including BRI, Bank BTN and PT. Nastional Capital Madani (PNM) banks.The optimization of the role of SOEs in the development of Indonesian cooperatives is indicated to be not optimal, especially in capital finance working, in this study, the writer will focus more on the cooperative of employees in an industrial company, which is still less touched by the stakeholders until now on. (One employee cooperative of PT.Tirta Investma (AQUA), Tirta Bangun Karya Cooperative, Subang Regency, West java, the research approach is based on the basic assumptions of social science, which will be conducted by the way of researchers’ analyzing of phenomenon or reality, analized by using SWOT analysis. This study aims to Provide an overview of the business cooperatives opportunities, especially cooperative employees of an industry, explaining the involvement and mengagement of stakeholders in develoving and finacing the role of industrial employee cooperatives as the main business partners of companies that shelter, For Describing the government framework in providing the recommendations to stakeholders in cevelopment programs is to support government programs in priority economic fields.From the research conducted, it can be concluded that : Government policies relatied to the development of industrial cooperatives, namely : in general, government policies in developing cooperative, as such they are independent and have been realized ate not only carried out by one or two ministry institutions but by various institutions, such as the ministry of cooperatives and MSMEs, ministries industry, ministry of trade, and BAPENAS, Bank of Indonesia, BUMN and Non Bank Finacial Institutions. Various from of support are given to cooperatives such as guidance, assistance and financing. Related to this the government always tries to facilitate cooperatives to have access to finance from financial institutions or banks and non banks. These facilities include subsidized banking credit, guarantees of non-bank institutions, financing from SEO profit allowance, grants and others.Company policy in developing employee cooperatives, namely: The company is a partner in running the company’s business wheels meaning that all efforts of the company to run the business always involve cooperatives, of course, this must be bound in the MoU between the company and the cooperative both in writing. The Members of the cooperative are employees of the company in which the cooperative belongs. A PKB ( Collective Labor Agreement) was made between the union and company management which one of the contents of the collective Labor Agreement is cooperative. In the contents of the Collective Labor Agreement, there are no cooperative there are no specific regulations regarding the involvement of cooperetives as Company’s partners.Banking policy in developing cooperatives, the model link program between banks and cooperative, has been running using the scheme of executing , channeling and joint finance. It is necessary to develop a model for developing the distribution of funds to cooperatives, in which to support the cooperative business with cooperative is part of the company vendor/ supplier. Banking policies in terms of cooperative business funding need to be developed softer, because in general, the employee cooperative do not have variable or large assets yet. In which this has always been a requirement of a bank in funding cooperative. A collaboration has been conducted between bank and cooperative in terms of financing cooperative members though an exceceuting system. There is no easy access to financial cooperative businesses father than the employee of finance itself.There needs a synergy between the Government- financing Institutions and cooperative companies to put coopretives as a supporter of the Indonesian economiy, as such the recommendations for the central government though the relevant ministries are signed, they should be able to pay more attenstion on cooperative for industrial employee. By issuing the relevant regulations or laws with pathnerships, between employee cooperative and company management, the local government should have the courage to issue a regulation relating partnerships between employee cooperatives and companies through related agencies, companies must create policies towards the employee cooperative as the main business partners of companies and financial institutions, especially banks must play a more active roles in communication, outreach, guidance and the realizing channeling funds to improve cooperative business units through soft funding and policies that can facilitate cooperative In obtaining funding and financial institutions must be able to run government program in terms of funding the cooperatives of industrial employee.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2020-08-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"2","resultStr":"{\"title\":\"KOLABORASI LEMBAGA KEUANGAN, PEMERINTAH DAN PERUSAHAAN DALAM MENINGKATKAN PERAN KOPERASI KARYAWAN INDUSTRI SEBAGAI ALTERNATIF SOLUSI DALAM PEMBANGUNAN SEKTOR EKONOMI INDONESIA\",\"authors\":\"Endah Robiatul Adawiyah\",\"doi\":\"10.33650/PROFIT.V4I1.911\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The role of cooperative and MSMEs in economic growth are very important. In 1998, Indonesia experienced economic crisis, the cooperative business units and MSMEs were relatively stable and able to survive compared to the large companies. According to date from the ministry of cooperatives and UMKM, in 2019 the number of cooperatives will be 126,343 units, although this number has decreased from 2014, which was 212,570 units. Seeing this certainly becomes a big hope or opportunity for Indonesia economic growth, however in general the development of cooperatives, still experiences various obstacles, especially in terms of capital and accessing capital sources. In Act no.3 of 2004, Bank Indonesian Bank policy in assisting the development of small and medium-sized businesses and cooperatives , is more about technical assistance and institutional development. The task of managing credit has been transferred to SOEs including BRI, Bank BTN and PT. Nastional Capital Madani (PNM) banks.The optimization of the role of SOEs in the development of Indonesian cooperatives is indicated to be not optimal, especially in capital finance working, in this study, the writer will focus more on the cooperative of employees in an industrial company, which is still less touched by the stakeholders until now on. (One employee cooperative of PT.Tirta Investma (AQUA), Tirta Bangun Karya Cooperative, Subang Regency, West java, the research approach is based on the basic assumptions of social science, which will be conducted by the way of researchers’ analyzing of phenomenon or reality, analized by using SWOT analysis. This study aims to Provide an overview of the business cooperatives opportunities, especially cooperative employees of an industry, explaining the involvement and mengagement of stakeholders in develoving and finacing the role of industrial employee cooperatives as the main business partners of companies that shelter, For Describing the government framework in providing the recommendations to stakeholders in cevelopment programs is to support government programs in priority economic fields.From the research conducted, it can be concluded that : Government policies relatied to the development of industrial cooperatives, namely : in general, government policies in developing cooperative, as such they are independent and have been realized ate not only carried out by one or two ministry institutions but by various institutions, such as the ministry of cooperatives and MSMEs, ministries industry, ministry of trade, and BAPENAS, Bank of Indonesia, BUMN and Non Bank Finacial Institutions. Various from of support are given to cooperatives such as guidance, assistance and financing. Related to this the government always tries to facilitate cooperatives to have access to finance from financial institutions or banks and non banks. These facilities include subsidized banking credit, guarantees of non-bank institutions, financing from SEO profit allowance, grants and others.Company policy in developing employee cooperatives, namely: The company is a partner in running the company’s business wheels meaning that all efforts of the company to run the business always involve cooperatives, of course, this must be bound in the MoU between the company and the cooperative both in writing. The Members of the cooperative are employees of the company in which the cooperative belongs. A PKB ( Collective Labor Agreement) was made between the union and company management which one of the contents of the collective Labor Agreement is cooperative. In the contents of the Collective Labor Agreement, there are no cooperative there are no specific regulations regarding the involvement of cooperetives as Company’s partners.Banking policy in developing cooperatives, the model link program between banks and cooperative, has been running using the scheme of executing , channeling and joint finance. It is necessary to develop a model for developing the distribution of funds to cooperatives, in which to support the cooperative business with cooperative is part of the company vendor/ supplier. Banking policies in terms of cooperative business funding need to be developed softer, because in general, the employee cooperative do not have variable or large assets yet. In which this has always been a requirement of a bank in funding cooperative. A collaboration has been conducted between bank and cooperative in terms of financing cooperative members though an exceceuting system. There is no easy access to financial cooperative businesses father than the employee of finance itself.There needs a synergy between the Government- financing Institutions and cooperative companies to put coopretives as a supporter of the Indonesian economiy, as such the recommendations for the central government though the relevant ministries are signed, they should be able to pay more attenstion on cooperative for industrial employee. By issuing the relevant regulations or laws with pathnerships, between employee cooperative and company management, the local government should have the courage to issue a regulation relating partnerships between employee cooperatives and companies through related agencies, companies must create policies towards the employee cooperative as the main business partners of companies and financial institutions, especially banks must play a more active roles in communication, outreach, guidance and the realizing channeling funds to improve cooperative business units through soft funding and policies that can facilitate cooperative In obtaining funding and financial institutions must be able to run government program in terms of funding the cooperatives of industrial employee.\",\"PeriodicalId\":33535,\"journal\":{\"name\":\"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2020-08-21\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"2\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.33650/PROFIT.V4I1.911\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.33650/PROFIT.V4I1.911","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 2
摘要
合作社和中小微企业在经济增长中的作用非常重要。1998年印度尼西亚经历了经济危机,与大公司相比,合作经营单位和中小微企业相对稳定,能够生存下来。根据合作社部和UMKM的数据,2019年合作社的数量将达到126343家,尽管这一数字比2014年的212570家有所减少。看到这一点无疑成为印尼经济增长的一大希望或机遇,但总的来说,合作社的发展仍然遇到各种障碍,特别是在资本和获取资本来源方面。第1章。2004年3月,印度尼西亚银行在协助中小企业和合作社发展方面的政策,更多的是关于技术援助和制度发展。管理信贷的任务已经转移到包括BRI, BTN银行和PT. national Capital Madani (PNM)银行在内的国有企业。国有企业在印尼合作社发展中的作用优化并不理想,特别是在资本金融工作中,在本研究中,笔者将更多地关注工业公司员工的合作,这是迄今为止利益相关者接触较少的。(PT.Tirta Investma (AQUA), Tirta bangan Karya cooperative, Subang Regency, West爪哇),研究方法基于社会科学的基本假设,采用研究者对现象或现实进行分析的方式,运用SWOT分析法进行分析。本研究旨在提供商业合作社机会的概述,特别是一个行业的合作员工,解释利益相关者在发展和资助工业员工合作社作为庇护公司的主要商业伙伴的角色方面的参与和参与。在向发展项目的利益相关者提供建议时,描述政府框架是为了支持政府在优先经济领域的项目。从所进行的研究中可以得出结论:与产业合作社发展有关的政府政策,即:一般来说,政府在发展合作社方面的政策是独立的,不仅由一两个部委机构执行,而且由合作社和中小微企业部、工业部、贸易部、印尼国家银行、印尼国家银行和非银行金融机构等各种机构执行。向合作社提供各种支助,如指导、援助和资助。与此相关的是,政府总是试图促进合作社从金融机构或银行和非银行机构获得融资。这些便利包括银行补贴信贷、非银行机构担保、SEO利润补贴融资、赠款等。公司在发展员工合作社方面的政策,即:公司是经营公司业务轮子的合作伙伴,这意味着公司经营业务的所有努力都涉及合作社,当然,这必须在公司和合作社之间的书面谅解备忘录中得到约束。合作社的成员是合作社所属公司的雇员。工会和企业之间签订了以“合作”为内容的集体劳动协议(PKB)。《集体劳动协议》的内容中没有合作社,也没有关于合作社作为公司合伙人参与的具体规定。发展合作社的银行政策是银行与合作社之间的示范联系方案,一直采用执行、引导和共同融资的方案来运行。有必要制定一种模式来发展合作社的资金分配,在这种模式中,合作社是公司供应商/供应商的一部分,以支持合作社业务。银行在合作社业务融资方面的政策需要制定得更宽松,因为一般来说,员工合作社还没有可变的或较大的资产。这一直是银行资助合作社的一个要求。银行和合作社通过执行制度在为合作社成员提供资金方面进行了协作。没有比金融从业人员本身更容易进入金融合作企业的了。 政府融资机构和合作社公司之间需要协同作用,使合作社成为印度尼西亚经济的支持者,因此中央政府的建议虽然相关部门签署,但他们应该能够更多地关注工业雇员的合作社。通过颁布员工合作社与公司管理之间的合伙关系的相关法规或法律,地方政府应该有勇气通过相关机构颁布员工合作社与公司之间的合伙关系的法规,公司必须制定针对员工合作社作为公司和金融机构的主要业务伙伴的政策,特别是银行必须发挥更积极的沟通、外联作用。引导和实现引导资金,通过软资金和政策来改善合作经营单位,可以促进合作,在获得资金和金融机构必须能够运行政府项目在资助工业职工合作社方面。
KOLABORASI LEMBAGA KEUANGAN, PEMERINTAH DAN PERUSAHAAN DALAM MENINGKATKAN PERAN KOPERASI KARYAWAN INDUSTRI SEBAGAI ALTERNATIF SOLUSI DALAM PEMBANGUNAN SEKTOR EKONOMI INDONESIA
The role of cooperative and MSMEs in economic growth are very important. In 1998, Indonesia experienced economic crisis, the cooperative business units and MSMEs were relatively stable and able to survive compared to the large companies. According to date from the ministry of cooperatives and UMKM, in 2019 the number of cooperatives will be 126,343 units, although this number has decreased from 2014, which was 212,570 units. Seeing this certainly becomes a big hope or opportunity for Indonesia economic growth, however in general the development of cooperatives, still experiences various obstacles, especially in terms of capital and accessing capital sources. In Act no.3 of 2004, Bank Indonesian Bank policy in assisting the development of small and medium-sized businesses and cooperatives , is more about technical assistance and institutional development. The task of managing credit has been transferred to SOEs including BRI, Bank BTN and PT. Nastional Capital Madani (PNM) banks.The optimization of the role of SOEs in the development of Indonesian cooperatives is indicated to be not optimal, especially in capital finance working, in this study, the writer will focus more on the cooperative of employees in an industrial company, which is still less touched by the stakeholders until now on. (One employee cooperative of PT.Tirta Investma (AQUA), Tirta Bangun Karya Cooperative, Subang Regency, West java, the research approach is based on the basic assumptions of social science, which will be conducted by the way of researchers’ analyzing of phenomenon or reality, analized by using SWOT analysis. This study aims to Provide an overview of the business cooperatives opportunities, especially cooperative employees of an industry, explaining the involvement and mengagement of stakeholders in develoving and finacing the role of industrial employee cooperatives as the main business partners of companies that shelter, For Describing the government framework in providing the recommendations to stakeholders in cevelopment programs is to support government programs in priority economic fields.From the research conducted, it can be concluded that : Government policies relatied to the development of industrial cooperatives, namely : in general, government policies in developing cooperative, as such they are independent and have been realized ate not only carried out by one or two ministry institutions but by various institutions, such as the ministry of cooperatives and MSMEs, ministries industry, ministry of trade, and BAPENAS, Bank of Indonesia, BUMN and Non Bank Finacial Institutions. Various from of support are given to cooperatives such as guidance, assistance and financing. Related to this the government always tries to facilitate cooperatives to have access to finance from financial institutions or banks and non banks. These facilities include subsidized banking credit, guarantees of non-bank institutions, financing from SEO profit allowance, grants and others.Company policy in developing employee cooperatives, namely: The company is a partner in running the company’s business wheels meaning that all efforts of the company to run the business always involve cooperatives, of course, this must be bound in the MoU between the company and the cooperative both in writing. The Members of the cooperative are employees of the company in which the cooperative belongs. A PKB ( Collective Labor Agreement) was made between the union and company management which one of the contents of the collective Labor Agreement is cooperative. In the contents of the Collective Labor Agreement, there are no cooperative there are no specific regulations regarding the involvement of cooperetives as Company’s partners.Banking policy in developing cooperatives, the model link program between banks and cooperative, has been running using the scheme of executing , channeling and joint finance. It is necessary to develop a model for developing the distribution of funds to cooperatives, in which to support the cooperative business with cooperative is part of the company vendor/ supplier. Banking policies in terms of cooperative business funding need to be developed softer, because in general, the employee cooperative do not have variable or large assets yet. In which this has always been a requirement of a bank in funding cooperative. A collaboration has been conducted between bank and cooperative in terms of financing cooperative members though an exceceuting system. There is no easy access to financial cooperative businesses father than the employee of finance itself.There needs a synergy between the Government- financing Institutions and cooperative companies to put coopretives as a supporter of the Indonesian economiy, as such the recommendations for the central government though the relevant ministries are signed, they should be able to pay more attenstion on cooperative for industrial employee. By issuing the relevant regulations or laws with pathnerships, between employee cooperative and company management, the local government should have the courage to issue a regulation relating partnerships between employee cooperatives and companies through related agencies, companies must create policies towards the employee cooperative as the main business partners of companies and financial institutions, especially banks must play a more active roles in communication, outreach, guidance and the realizing channeling funds to improve cooperative business units through soft funding and policies that can facilitate cooperative In obtaining funding and financial institutions must be able to run government program in terms of funding the cooperatives of industrial employee.