[ABSTRAK
Usaha Mikro, Kecil dan Menengah (UMKM), yang diharapkan berperan dalampertumbuhan ekonomi nasional, masih menghadapi berbagai masalah terutamamasalah permodalan. Tesis ini membahas pengaturan prinsip KYC oleh bankterhadap UMKM, dan bagaimana mekanisme pemberian kredit kepada UMKMserta kendala-kendala apa saja yang dihadapi oleh UMKM Pakaian Jadi di PasarTanah Abang dalam memperoleh pembiayaan dari bank. Metode penelitianhukum normatif yang digunakan dalam penelitian ini menunjukkan bahwapengaturan prinsip KYC dilaksanakan dengan ketat oleh bank dan sama untuksemua nasabah termasuk UMKM. Mekanisme pemberian kredit untuk UMKMsama seperti mekanisme pemberian kredit kepada perusahaan tanpa membedakanskala perusahaan tersebut. Hal ini menyebabkan UMKM sulit mendapatkantambahan modal kerja yang sangat dibutuhkan untuk pengembangan usaha.Dalam rangka meningkatkan peran dan daya saing UMKM, perludipertimbangkan kembali pengaturan prinsip KYC oleh bank untuk UMKM agarlebih fleksibel tetapi tetap aman bagi bank;

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ABSTRACT
Micro, Small and Medium Enterprises (SMEs), which are expected to play asignificant role in the national economy growth, still faces many problems,particularly the problem of capital. This thesis discusses rules on KYC principlesapplied by banks to SMEs, loan mechanism for SMEs and the constraints faced bythe Garment SMEs in Tanah Abang Market to obtain financing from banks.Normative legal research methods used in this study shows that rules on KYCprinciples have been executed by the banks strictly and alike for all customers,including SMEs. Loan mechanisms applied for SMEs are similar as those appliedfor general business form without taking into consideration the scale of thebusiness form. As a result, it is difficult for SMEs to obtain additional workingcapital as needed to improve or develop its business competitiveness. In order toenhance the role and competitiveness of SMEs, it is necessary to reconsider ruleson KYC principles applied by banks to SMEs in a more flexible yet secureapproach.;Micro, Small and Medium Enterprises (SMEs), which are expected to play asignificant role in the national economy growth, still faces many problems,particularly the problem of capital. This thesis discusses rules on KYC principlesapplied by banks to SMEs, loan mechanism for SMEs and the constraints faced bythe Garment SMEs in Tanah Abang Market to obtain financing from banks.Normative legal research methods used in this study shows that rules on KYCprinciples have been executed by the banks strictly and alike for all customers,including SMEs. Loan mechanisms applied for SMEs are similar as those appliedfor general business form without taking into consideration the scale of thebusiness form. As a result, it is difficult for SMEs to obtain additional workingcapital as needed to improve or develop its business competitiveness. In order toenhance the role and competitiveness of SMEs, it is necessary to reconsider ruleson KYC principles applied by banks to SMEs in a more flexible yet secureapproach., Micro, Small and Medium Enterprises (SMEs), which are expected to play asignificant role in the national economy growth, still faces many problems,particularly the problem of capital. This thesis discusses rules on KYC principlesapplied by banks to SMEs, loan mechanism for SMEs and the constraints faced bythe Garment SMEs in Tanah Abang Market to obtain financing from banks.Normative legal research methods used in this study shows that rules on KYCprinciples have been executed by the banks strictly and alike for all customers,including SMEs. Loan mechanisms applied for SMEs are similar as those appliedfor general business form without taking into consideration the scale of thebusiness form. As a result, it is difficult for SMEs to obtain additional workingcapital as needed to improve or develop its business competitiveness. In order toenhance the role and competitiveness of SMEs, it is necessary to reconsider ruleson KYC principles applied by banks to SMEs in a more flexible yet secureapproach.]