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Page 1 of 14Majalah 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