Prospek Asuransi Mikro Dalam Mengembangkan Pembiayaan Mikro di Banten

Tenny Badina, Umayatu Suiroh Suharto


Tujuan dari penelitian ini adalah untuk mengkaji prospek asuransi mikro dalam mengembangkan pembiayaan mikro di Provinsi Banten. Dua permasalahan penelitian yang diajukan: pertama, bagaimana struktur organisasi lembaga keuangan yang tepat untuk memaksimalkan manfaat ekonomi asuransi mikro? Kedua, bagaimana manajemen keuangan dan manfaat ekonomi dari penggunaan asuransi mikro oleh lembaga keuangan? Untuk menjawab dua pertanyaan penelitian ini digunakan wawancara semi-terstruktur untuk menafsirkan data yang dikumpulkan dari lapangan. Metodologi studi kasus digunakan dalam penelitian ini, mengingat kompleksnya keuangan mikro dan asuransi mikro. Berdasarkan hasil penelitian maka dapat diambil kesimpulan sebagai berikut : 1. Penyaluran pembiayaan mikro masih menggunakan pola penyaluran langsung ke individu pengusaha dan belum menggunakan pola penyaluran berkelompok sehingga belum memperoleh manfaat ekonomi yang maksimal dalam penggunaan asuransi mikro. Ke depan diharapkan bank dapat mengembangkan pola penyaluran pembiayaannya dengan pola penyaluran pembiayaan berkelompok dan menerapkan jaminan sosial sehingga lebih baik dalam mengelola penyaluran pembiayaan mikro dengan resikonya yang tinggi. 2. Asuransi mikro telah berperan sebagai instrument untuk menjamin resiko dalam penyaluran pembiayaan mikro. Namun bank sebaiknya mendesain penyaluran pembiayaan mikro yang ideal dengan pola berkelompok yang dapat meminimalisir resiko yang timbul sehingga semakin banyak pengusaha mikro yang belum bankable yang dapat memperoleh akses pembiayaan dari bank. Pola pembiayaan berkelompok dapat meminimalisir biaya yang ditimbulkan oleh resiko yang disebabkan gagal bayar nasabah, sehingga dana yang sebelumnya dialokasi untuk mengcover resiko kredit dapat dialihkan untuk memberi manfaat asuransi yang lebih luas bagi nasabah.


Asuransi Mikro; Pembiayaan Mikro; Lembaga Keuangan Mikro

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