INKLUSI KEUANGAN PADA PEMBIAYAAN UMKM DI LKMS BMT KUBE SEJAHTERA 001

Abstract

Financial inclusion is a program by the government to create an accessible financial system for all levels of society, especially to the poor, marginalized, and UMKM, to stabilize Indonesia's economy. This study focuses on the ease of access for UMKM in Percut Sei Tuan to get capital financing for their business. The primary data is interview results and distribution financing data of LKMS BMT KUBE Sejahtera 001 as secondary data. The author uses a descriptive qualitative method by asking questions and answering the Operational Manager and Account Officer (AO) & Remedial of LKMS BMT KUBE Sejahtera 001, and UMKM, who received KUBE and Non-KUBE financing. This study results as a Micro Financing institution LKMS BMT KUBE Sejahtera 001 tries to increase financial inclusion by providing easy conditions for people who want to get capital for their business. Collateral is not mandatory for KUBE members. KUBE members also offer coaching and mentoring activities (Murbahah KUBE financing). Easy access to capital business increases onset and profit for KUBE or Non-KUBE members.