Sustainable Financial Implementation In Supporting The National Economic Recovery Program In The Covid-19 Pandemic. Study On MSME Production Sector In Tolitoli Regency, Central Sulawesi Indonesia Section Modeling and operations research
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Oct 21, 2022
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Abstract
This research was conducted using a field research method that aims to determine the implementation of sustainable finance in supporting the national economic recovery program during the COVID-19 pandemic, focusing research on the environmentally friendly MSME production sector in Tolitoli Regency, Central Sulawesi. Through descriptive data analysis with a phenomenological approach, it is found that the implementation of sustainable finance in Tolitoli has been going quite well based on several sources of information. From Himbara banking financial services institutions (BRI, Mandiri and BNI), the average funding disbursed per business unit is IDR 50,000,000 to IDR 100,000,000 / business unit or in the range of less than IDR 200,000,000. -/business unit. The economic condition in Tolitoli also looks quite good through the trend of increasing aspects of employment and per capita income, then the sustainability of sustainable business sectors such as the agricultural sector. In addition, the better financial performance of the MSME production sector during the Covid-19 pandemic has an impact on accelerating the achievement of economic recovery in the regions and automatically contributing to national economic recovery. Of the 31 MSME units recorded, the average ROA and NPM values were 187.57% and 63.24%, respectively, indicating good conditions for the survival of a business, especially micro, small and medium scale. This result certainly indicates a fairly good indicator for economic conditions in the Tolitoli Regency area during the Covid-19 pandemic until the new normal era takes place.
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How to Cite
Yanto, E., & Syaputra, R. A. (2022). Sustainable Financial Implementation In Supporting The National Economic Recovery Program In The Covid-19 Pandemic. Study On MSME Production Sector In Tolitoli Regency, Central Sulawesi : Indonesia. Enrichment : Journal of Management, 12(4), 3000-3009. https://doi.org/10.35335/enrichment.v12i4.691
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24. Zafar, A., & Mustafa, S. (2017). SMEs and its role in economic and socio-economic development of Pakistan. International Journal of Academic Research in Accounting, Finance and Management Sciences, 6(4).
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29. Kredit Berkelanjutan BNI Capai Rp 172,4 Triliun pada Tahun Lalu. Kontan: News Data Financial Tools. 28 Januari 2022. Diakses pada 20 Juli 2022 pukul 11.01 WIB melalui https://keuangan.kontan.co.id/news/kredit-berkelanjutan-bni-capai-rp-1724-triliun-pada-tahun-lalu.
30 Bank Mandiri salurkan kredit berkelanjutan Rp 187,4 triliun per September 2021. Kontan: News Data Financial Tools. 2 November 2021. Diakses pada 20 Juli 2022 melalui https://keuangan.kontan.co.id/news/bank-mandiri-salurkan-kredit-berkelanjutan-rp-1874-triliun-per-september-2021.
2. Suhendro, Muhammad Rifaldi (2021) Efektivitas Refocusing Anggaran Pendapatan Dan Belanja Daerah Dalam Penanganan Corona Virus Disease 2019 Di Kota Bandar Lampung Provinsi Lampung. Diploma thesis, IPDN Jatinangor.
3. CNBC Indonesia. (2020). Ancaman Resesi Semakin Pasti. Diakses melalui https://www.cnbcindonesia.com/news/20200717150501-8-173575/ancaman-resesi-semakin-pasti, pada tanggal 10-12-2021.
4. Akpan, E. E., Fcicn, A., PPGDCA, P., & Goddymkpa, P. D. C. P. (2020) The Reliability of Four Elements of Research in Effective Mitigation of Covid-19 Pandemic for Rapid Global Health and Economic Recovery with Focus on Nigeria. International Journal on Orange Technologies, 2(8), 9-14.
5. Furman, J., Geithner, T., Hubbard, G., & Kearney, M. S. (2020). Promoting economic recovery after COVID-19. Washington: Economic Strategy Group, The Aspen Institute, 16.
6. Saputra Dani. 2021. Survei Bank Indonesia, 87,5% UMKM Indonesia terdampak Covid -19. Diakses melalui https://ekonomi.bisnis.com/read/20210319/9/1370022/survei-bi-875-persen-umkm-indonesia-terdampak-pandemi-covid-19 pada 10-12-2021.
7. Kumala, R., & Junaidi, A. (2020, July). Strategi Bisnis Dan Pemanfaatan Kebijakan Pajak Di Masa Pandemi COVID-19 Dan Era New Normal (Studi Kasus Pelaku UKM Marketplace). In Prosiding Seminar STIAMI (Vol. 7, No. 2, pp. 98-103).
8. Iping, B. (2020). Perlindungan Sosial Melalui Kebijakan Program Bantuan Langsung Tunai (BLT) Di Era Pandemi Covid-19: Tinjauan Perspektif Ekonomi Dan Sosial. Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 1(2), 516-526. https://doi.org/10.38035/jmpis.v1i2.290.
9. BPS Tolitoli. 2020. Kabupaten Tolitoli Dalam Angka Tahun 2020. ISBN: 2655-3767. Publikasi/Publication Number: 72060.2001. Katalog/Catalog: 1102001.7206. BPS Kabupaten Tolitoli 284 halaman.
10. Ziolo, M., Fidanoski, F., Simeonovski, K., Filipovski, V., & Jovanovska, K. (2017). Sustainable finance role in creating conditions for sustainable economic growth and development. In Sustainable Economic Development (pp. 187-211). Springer, Cham.
11. Peraturan Otoritas Jasa Keuangan Nomor 51 /Pojk.03/2017 Tahun 2017 Tentang Penerapan Keuangan Berkelanjutan Bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik.
12. Otoritas Jasa Keuangan. (2018). Indonesia Makes Significant Progress in Sustainable-Finance Reforms. Diakses melalui finchannel.com.
13. Sustainable Banking Network. (2019). Global Progress Report “Innovations in Policy and Industry Actions in Emerging Markets”. Diakses melalui (https://www.ifc.org/wps/ wcm/connect/ topics_ext_content /ifc_external_corporate_site/ sustainability-at-ifc/ company- resources/ sustainable finance /sbn_2019 + global progress report) pada 10-12-2021.
14. Wimboh Santoso (15 Maret 1957 (umur 63), Boyolali, Indonesia) Ketua Dewan Komisioner (DK) Otoritas Jasa Keuangan (OJK) periode 2017-2022 dan juga Ketua Umum Masyarakat Ekonomi Syariah (MES) periode 2018-2021.
15. Olavia Lana 2020. Program Keuangan Berkelanjutan Capai Banyak Kemajuan. Diakses melalui https:// www. berita satu. com/ ekonomi/ 597669/ ojk – program – keuangan – berkelanjutan – capai – banyak - kemajuan pada 10-12-2021.
16. Hayati, N., & Yulianto, E. (2020). Peranan Keuangan Berkelanjutan Pada Industri Perbankan Dalam Mendukung Sustainable Development Goals. Jurnal Akuntansi Bisnis Dan Ekonomi, 6(1), 1633-1652.
17. Simamora, S. C. (2019). Implementasi Pelaporan Keuangan Berkelanjutan (Sustainable Finance) Di Pt. Bank Negara Indonesia, Tbk Tahun 2015–2017. Jurnal Ilmiah M-Progress, 9(1).
18. BPS Sulteng (2020). Perkembangan Produksi Industri Sulawesi Tengah. Badan Pusat Statistik Provinsi Sulawesi Tengah. Katalog 6103029.72, halaman 1-74.
19. Lesmana, Syahar. 2020. UMKM Mau Dapat Rp2,4 Juta, Sekarang Data Sedang Dimput. artikel 3 November 2020 diakses melalui: https://insulteng.pikiran-rakyat.com/sulteng/pr-90903208/umkm-mau-dapat-rp24-juta-sekarang-data-sedang-dimput pada 29 Desember 2021.
20. Peraturan Pemerintah (PP) No. 23 Tahun 2020 Tentang Pelaksanaan Program Pemulihan Ekonomi Nasional dalam Rangka Mendukung Kebijakan Keuangan Negara untuk Penanganan Pandemi Corona Virus Disease 2019 (COVID-19) dan/atau Menghadapi Ancaman yang Membahayakan Perekonomian Nasional dan/atau Stabilitas Sistem Keuangan serta Penyelamatan Ekonomi Nasional. Kementerian Keuangan Republik Indonesia.
21. Dai, R., Hu, J., & Zhang, X. (2020). The Impact of Coronavirus on China’s SMEs: Findings from the Enterprise. Center for Global Development. https://www. cgdev. org/sites/default/files/impact-coronaviruschinas-smes-findings-from-esiec. pdf.
22. Jain, S. (2014). Small Industries Development Bank of India: Functions, Powers and Its Role in Development of Micro, Small and Medium Enterprises. Powers and Its Role in Development of Micro, Small and Medium Enterprises (July 3, 2014).
23. Vaikunthavasan, S., Velnampy, T., & Sivarajah, R. (2019). Exploring the problems and challenges of micro small and medium enterprises in Northern Province. Business and Management Horizons, 7(1), 89-104.
24. Zafar, A., & Mustafa, S. (2017). SMEs and its role in economic and socio-economic development of Pakistan. International Journal of Academic Research in Accounting, Finance and Management Sciences, 6(4).
25. Atmodjo, S. Y. P., & Akhmadi, M. H. (2021). Pelaksanaan Anggaran Prioritas Pemulihan Ekonomi Nasional Pasca Pandemi COVID-19 Pada Satker di Wilayah KPPN SURABAYA II. Kolaborasi: Jurnal Administrasi Publik, 7(2), 144-166.
26. Kementerian Keuangan Republik Indonesia (2020). Program Pemulihan Ekonomi Nasional berdasarkan PP No. 23 Tahun 2020. Dakses melalui www.kemenkeu.go.id
27. Otoritas Jasa Keuangan. (2021). Roadmap Keuangan Berkelanjutan Indonesia Tahap II (2021-2025). Jakarta: Otoritas Jasa Keuangan.
28. BRI Tegaskan Komitmen Keuangan Berkelanjutan dengan Green Bond. Tempo: Bicara Fakta. 24 Juni 2022. Diakses pada 20 Juli 2022 melalui https://bisnis.tempo.co/read/1605283/bri-tegaskan-komitmen-keuangan-berkelanjutan-dengan-green-bond.
29. Kredit Berkelanjutan BNI Capai Rp 172,4 Triliun pada Tahun Lalu. Kontan: News Data Financial Tools. 28 Januari 2022. Diakses pada 20 Juli 2022 pukul 11.01 WIB melalui https://keuangan.kontan.co.id/news/kredit-berkelanjutan-bni-capai-rp-1724-triliun-pada-tahun-lalu.
30 Bank Mandiri salurkan kredit berkelanjutan Rp 187,4 triliun per September 2021. Kontan: News Data Financial Tools. 2 November 2021. Diakses pada 20 Juli 2022 melalui https://keuangan.kontan.co.id/news/bank-mandiri-salurkan-kredit-berkelanjutan-rp-1874-triliun-per-september-2021.