Legal Aspects of Micro Business Development Institutions in State Purpose of Welfare

Lukmanul Hakim; Etty  Mulyati; Djuhaendah  Hasan; Tarsisius  Murwadji

doi:10.25041/fiatjustisia.v14no3.1804

DOI:

https://doi.org/10.25041/fiatjustisia.v14no3.1804

Abstract

Micro-business is one of the activities that is currently almost 90% the share of business in Indonesia, considering the micro business is an informal business, and not many micro-businesses have been touched by the financing sector so that micro-businesses are not affected in the economic crisis. In addition, micro-businesses are complicated to develop their businesses due to the lack of requirements to get funding and guidance that is still not effective, resulting in the lack of information for businesses to take advantage of existing market share. Moreover, micro-businesses must also be able to adapt to continue and grow amidst the current difficult conditions. The problems in this study are 1. Growth of Micro Businesses and the Concept of Development and Funding amid Technology-Based Business Competition 2. Legal Aspects of Micro-Business Development in the Welfare State's Goals. Results of this Research As the goal of the welfare state is one of them to improve the social welfare of the community. Micro-businesses participate in the purpose of the welfare state because remembering micro business as one of the fundamental pillars of driving the economy in Indonesia. It is necessary to have an active role of government and society to participate in building micro-businesses to be more developed so that the increase of the economy both in the region and nationally. So that the government must be able to facilitate businesses so that micro businesses can develop as the objectives of the welfare state.

Keywords:

Legal Aspects, Finance, Micro Business

References

Act Number 20 of 2008 Concerning Micro, Small and Medium Enterprises.

Act Number 25 of 1992 Concerning Cooperatives.

Aldaba, R. M. SME.“Development: Narrowing the Development Gap in the ASEAN Economic Community.”Philippine Journal of Development 39, No. 71(2012): 143–169.

Asheim, B. “Differentiated Knowledge Bases and Varieties of Regional Innovation Systems”.The European Journal of Social Sciences 20, No. 3 (2007): 223–241, https://doi.org/10.1080/13511610701722846.

Budijanto, Danrivanto. Hukum Telekomunikasi, Penyiaran dan Teknologi Informasi: Regulasi dan Konvergensi. Bandung: Refika Aditama, 2010.

Carayannis, E.G. & Rakhmatullin, R. J. “The Quadruple/Quintuple Innovation Helixes and Smart Specialisation Strategies for Sustainable and Inclusive Growth in Europe and Beyond”. Journal of Knowledge Economy 5, No. 2 (2014): 212-239, https://doi.org/10.1007/s13132-014-0185-8.

Edquist, C. & Hommen, L. “Systems of innovation: Theory and Policy for the Demand Side”. Technology in Society21 (1999): 63–79.

Fajar, Mukti., Yulianto Achmad. Dualisme Penelitian Hukum Normatif dan Empiris. Yogyakarta: Pustaka Pelajar, 2010.

Hakim, Lukmanul. “Analisis Alternatif Penyelesaian Sengketa Antara Pihak Nasabah Dengan Industri Jasa Keuangan Pada Era Otoritas Jasa Keuangan”. Keadilan Progresif 6, No. 2 (2015): 162

Hakim, Lukmanul. “The Alternative Model Settlement of Credit Problems In Banking Agencies”, Fiat Justisia: Jurnal Ilmu Hukum12, No. 2 (2018):143 -155, https://doi.org/10.25041/fiatjustisia.v12no2.1299.

Hakim, Lukmanul. Eka Travilta Oktaria. “Prinsip Kehati-Hatian Pada Lembaga Perbankan dalam Pemberian Kredit.” Keadilan Progresif 9 No. September (2018): 166.

IDKR, Ardiana. Brahmayanti IA, Subaedi. “Kompetensi SDM UKM dan pengaruhnya terhadap kinerja UKM di Surabaya”. Jurnal Manajemen dan Kewirausahaan 12, 1 (2010): 42–55.

Indonesian Bank Circular No. 8/14/DPNP 2006 about Banking Mediation (SEBI No. 8/2006).

Kiran V, Majumdar M, Kishore K. “Innovative Marketing Strategies for Micro, Small and Medium Enterprises”. Interdisciplinary Journal ofContemporary Research in Business 4, 2 (2012): 1059–1066.

Lundvall, B. A. National Systems of Innovation. Towards a Theory of Innovation and Interactive Learning. London: Pinter Publishers, 1992.

Moulaert, F., Sekia, F. “Territorial Innovation Models: A Critical Survey”. Regional Studies 37, No. 3 (2002): 289–302, https://doi.org/10.1080/0034340032000065442.

Munizu, M. “Pengaruh Faktor-Faktor Eksternal dan Internal Terhadap Kinerja Usaha Mikro dan Kecil (UMK) di Sulawesi Selatan”. Jurnal Manajemendan Kewirausahaan 12, 1 (2010): 33–41.

Murwadji, Tarsisius. “Edukasi dan Penyehatan Koperasi Melalui Linkage Program Perbankan”. PADJADJARAN Jurnal Ilmu Hukum 4, No. 3 (2017), https://doi.org/10.22304/pjih.v4n3.a2.

Piirainen, T. & Koski, P. “Integrating Workplace Development Policy and Innovation Policy a Challenging Task Experiences from the Finnish Workplace Development Program” in Fricke, Werner and Totterdill, Peter (eds) Action Research in Workplace Innovation and Regional Development (Amsterdam: John Benjamins,2004), 313–331.

PSIK, Tim Peneliti. Negara kesejahteraan dan globalisasi, Pusat Studi Islam dan Kenegaraan (PSIK).Jakarta: Universitas Paramadina, 2007.

Risnain, Muh. Aspek-Aspek Hukum Peningkatan Daya Saing Industri Dalam Perdagangan Bebas. Bandung: Keni Media, 2015.

Soekanto, Soerjono. Beberapa Permasalahan Hukum Dalam Kerangka Pembangunan di Indonesia. Jakarta: Yayasan Penerbit Universitas Indonesia, 1975.

Spicker, Paul.Social Policy: Themes and Approaches. London: Prentiece Hall, 1995.

Susila, Ihwan. “Analisis Efisiensi UMKM”. Jurnal Ekonomi Pembangunan 8, No. 2 (2007).

Tambunan, Tulus. Usaha Mikro Kecil dan Menengah di Indonesia (Isu-Isu Penting). Bogor: Ghalia Indonesia, 2017.

Thalassinos, I. E., D.T. Stamatopoulos, and E. P. Thalassinos.The European Sovereign Debt Crisis and the Role of Credit Swaps. Chapter book W. T. Ziemba and A.G. Malliaris, “The WSPC Handbook of Futures Markets” (eds), in memory of Late Milton Miller (Nobel 1990) World Scientific Handbook in Financial Economic Series 5, No. 20 (2015): 605-639, doi:10.1142/9789814566926_0020.

Thalassinos, I.E. and Liapis, K. Segmental Financial Reporting and the Internationalization of the Banking Sector. Chapter Book Risk Management: Strategies for Economic Development and Challenges in the Financial System, 2014.

The 1945 constitution of Indonesia.

Wise, E. & Høgenhaven, C. User-Driven Innovation. Contex and Cases in the Nordic Region. Nordic Innovation Centre, 2008.

Wuryandari, Ganewati. et al. Politik luar negeri Indonesia: Di Tengah Pusaran Politik Domestik (Yogyakarta: Pustaka Pelajar, 2008).