[ABSTRAK Perbankan memiliki beberapa formula, antara lain CAMEL untuk penilaian kesehatan perbankan dan formula 5C dalam menyalurkan kredit perbankan kepada debitur, tetapi untuk penyaluran dana ke lembaga keuangan mikro melalui linkage program, maka formula yang dipakai ada banyak versi. Penelitian ini menganalisis persepsi perbankan terhadap potensi linkage programme sektor perbankan terhadap lembaga keuangan mikro bentukan Pemerintah Provinsi DKI Jakarta yaitu Koperasi Jasa Keuangan Pemberdayaan Ekonomi Masyarakat Kelurahan (KJK PEMK) dengan mengacu pada penelitian Arora dan Meenu (2012) di Punjab, India dengan 8 elemen yaitu welfare, economic, utilize, profit, women empowerment, risiko, beban kerja dan kompetisi. Hasil penelitian ini memiliki kecenderungan sama dengan hasil penelitian Arora dan Meenu (2012) tentang persepsi potensi linkage programme sektor perbankan terhadap keuangan mikro perbankan di Punjab, India terutama terkait pemberdayaan masyarakat miskin produktif agar masyarakat ekonomi lemah tersebut dapat mengembangkan potensi yang dimilikinya sehingga dapat mencapai taraf hidup (welfare) yang lebih berkualitas walaupun tetap terdapat beberapa perbedaan terkait faktor risiko, beban kerja serta persaingan usaha dengan sektor informal yang akan dihadapi jika sektor perbankan menerapkan linkage programme terhadap KJK PEMK. ABSTRACT There are several formulas in banking, such as CAMEL rating for financialhealth assessment and 5C formula for credit assessment, but there are anotherversions of formula that is used for banking funds distribution to microfinanceinstitutions through the linkage programme. This study analyzed the bankers?perception about banking linkage programme potentiality for microfinane institutionsthat created by the Government of DKI Jakarta, namely Koperasi Jasa KeuanganPemberdayaan Ekonomi Masyarakat Kelurahan (KJK PEMK) with reference toArora and Meenu (2012) research in Punjab, India with 8 elements, includingwelfare, economic, utilize, profit, women empowerment, risks, workload andbusiness competition. The results of this is equally as the results of Arora and Meenu(2012) research on the bankers? perception about banking linkage programmepotentiality for microfinane institutions in Punjab, India that mainly related to theempowerment the poor that economically productive so they can develop theirpotentiality to achieve a higher quality of living standard (welfare), although there arestill several considerations related to risk factors, workload and business competitionwith the informal sector when implementing the banking linkage programme to KJKPEMK., There are several formulas in banking, such as CAMEL rating for financialhealth assessment and 5C formula for credit assessment, but there are anotherversions of formula that is used for banking funds distribution to microfinanceinstitutions through the linkage programme. This study analyzed the bankers’perception about banking linkage programme potentiality for microfinane institutionsthat created by the Government of DKI Jakarta, namely Koperasi Jasa KeuanganPemberdayaan Ekonomi Masyarakat Kelurahan (KJK PEMK) with reference toArora and Meenu (2012) research in Punjab, India with 8 elements, includingwelfare, economic, utilize, profit, women empowerment, risks, workload andbusiness competition. The results of this is equally as the results of Arora and Meenu(2012) research on the bankers’ perception about banking linkage programmepotentiality for microfinane institutions in Punjab, India that mainly related to theempowerment the poor that economically productive so they can develop theirpotentiality to achieve a higher quality of living standard (welfare), although there arestill several considerations related to risk factors, workload and business competitionwith the informal sector when implementing the banking linkage programme to KJKPEMK.] |