Majalah Ilmiah UNIKOM

Vol.10 No. 1

51

H a l a m a n

MODEL PEMBIAYAAN USAHA KECIL DAN MENENGAH

PEMASOK KE PERITEL BESAR

Dr. KARTIB BAYU, Ir.,M.Si.

Sekolah Bisnis Dan Manajemen InstItut Teknologi Bandung

Dr. DEDI SULISTIYO S, ST.,MT.

Universitas Komputer Indonesia

In running a business supplying products by SMEs to large retailer in general

SMEs become weaker party. Almost all of the provisions set by large retailers,

while SMEs are just as the receiving party only. This is due to the weak bargain-

ing position (bargaining position) of SMEs. One of the constraints faced by SMEs

in supplying products to large retailers is a matter of working capital. Period pay-

ments made by large retailers to SME suppliers are usually between 1 (one) up

to 3 (three) months. With the payment period "relatively old", then the working

capital needs of SMEs are "relatively large" for supplying large retailers.

The purpose of this study was to obtain a precise formulation of the model of

financing for SME suppliers to the Big Retailers. The method used is descriptive

Comparative. Engineering studies using two approaches, namely (1) literature

studies (Desk Study), and (2) Survey (interviews and observation).

The results showed that: 1). SMEs Suppliers need additional working capital in

the conduct of its business operations. This is caused because the pattern of

payments made by the retailer to SME suppliers with the maturity (15, 30, 45

and 75 days). With this pattern many SMEs are experiencing difficulties in

meeting its operational costs. 2). SME Suppliers trend pattern utilizing a conven-

tional loan as compared with the pattern or credit schemes that already exist.

This is due to schemes that have been there have not been able to accommo-

date the needs of SME suppliers to major retailers. 3). Financing models for

SMEs Suppliers to Large Retailers need for a synergy of cooperation between

SME suppliers, major retailers and management institutions financing model.

Keywords : Financing, Small Business, Medium Business and large retailer

PENDAHULUAN

Latar Belakang

Dalam menjalankan bisnis pemasokan pro-

duk oleh UKM ke Peritel besar pada

umumnya UKM menjadi pihak yang lebih

lemah. Hampir semua ketentuan ditetapkan

oleh peritel besar, sedangkan UKM hanya

sebagai pihak penerima saja. Hal ini dise-

bargaining

position

dihadapi UKM dalam memasok produk ke

peritel besar adalah masalah modal kerja.

Periode pembayaran yang dilakukan oleh

peritel besar kepada UKM pemasok biasan-

ya antara 1 (satu) sampai dengan 3 (tiga)

bulan. Dengan periode pembayaran yang

“relatif lama” tersebut, maka UKM membu-

tuhkan modal kerja yang “relatif besar” un-

bidang

EKONOMI