Financial Inclusion Model in Batik Micro, Small and Medium Enterprises (MSMEs) in Tanjung Bumi village, Bangkalan

Halimatus Sa’diyah, Anita Kristina

Abstract


This article aims to identify the financial inclusion model in batik Micro, Small and Medium Enterprises (MSMEs) in Tanjung Bumi Village. Financial inclusion in this study focuses on the issue of physical access and use of MSME financial services to credit and others. Data collection was conducted through interviews with Batik MSME entrepreneurs in Tanjung Bumi Village, Bangkalan. The data were analyzed using the qualitative phenomenological method. The results show that the financial inclusion model of Batik MSMEs is shaped by banking access and the use of banking services. Another thing that MSMEs do is to make capital credit through people's business credit (KUR) from Bank Rakyat Indonesia (BRI), and also access to marketing services in the form of exhibitions and assistance from BRI. Thus, it can be concluded that the financial inclusion model in batik MSMEs has begun to be recognized in batik MSMEs, although it is only limited to access to small credit values.

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References


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