Peran Program Pembinaan Dinas Koperasi dalam Meningkatkan Kapasitas Keuangan UKM (Studi di Dinas Koperasi UKM, Perindustrian dan Perdagangan Provinsi Papua Tengah)
DOI:
https://doi.org/10.1610/mdfxts24Kata Kunci:
UKM, kapasitas keuangan, program pembinaan, efektivitas kebijakan, Papua TengahAbstrak
Usaha Kecil dan Menengah (UKM) memiliki peran penting dalam mendorong pertumbuhan ekonomi daerah, termasuk di Provinsi Papua Tengah. Namun, kapasitas keuangan UKM masih relatif rendah, ditandai oleh lemahnya literasi keuangan, pengelolaan arus kas yang tidak optimal, keterbatasan pencatatan keuangan, serta rendahnya akses pembiayaan formal. Penelitian ini bertujuan menganalisis peran program pembinaan Dinas Koperasi, UKM, Perindustrian, dan Perdagangan Provinsi Papua Tengah dalam meningkatkan kapasitas keuangan UKM, sekaligus mengidentifikasi tingkat efektivitas serta kendala pelaksanaannya. Penelitian menggunakan pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara mendalam, observasi, dan studi dokumentasi terhadap aparatur dinas dan pelaku UKM binaan. Hasil penelitian menunjukkan bahwa program pembinaan masih berfokus pada pemberian bantuan keuangan secara individual dan belum diimbangi dengan pelatihan manajemen keuangan serta pendampingan yang terstruktur dan berkelanjutan. Keterbatasan anggaran, sumber daya manusia, serta lemahnya sistem monitoring dan evaluasi menjadi faktor utama rendahnya efektivitas program. Meskipun demikian, dukungan kebijakan pemerintah daerah dan potensi ekonomi lokal merupakan peluang strategis yang dapat dioptimalkan. Penelitian ini merekomendasikan pengembangan program pembinaan UKM yang terintegrasi, berbasis kebutuhan, dan berorientasi pada peningkatan kapasitas keuangan jangka panjang.
Unduhan
Referensi
Abu, N., da Silva, F. P., & Vieira, P. R. (2025). Government support for SMEs in the Fintech Era: Enhancing access to finance, survival, and performance. Digital Business, 5(1), 100099. https://doi.org/https://doi.org/10.1016/j.digbus.2024.100099
Angreyani, F., Todingbua, M. A., & Mongan, B. (2025). The Influence of Investment Knowledge and Risk Perception on Generation Z Investment Decisions with Technological Advancement as a Moderating ( Study on Students of the Faculty of Economics and Business , UKI Paulus ). Journal of Marketing Management and Innovative Business Review, 3(2), 30–45. https://doi.org/10.63416/mrb.v3i2.385
Creswell, J. W., & Poth, C. N. (2018). Qualitative inquiry and research design: Choosing among five approaches (4th ed). SAGE Publications.
Etikan, I., Musa, S. A., & Alkassim, R. S. (2016). Comparison of Convenience Sampling and Purposive Sampling. American Journal of Theoretical and Applied Statistics, 5(1), 1–4. https://doi.org/10.11648/j.ajtas.20160501.11
Golda, C., Todingbua, M. A., & Halik, J. B. (2024). THE EFFECT OF FINANCIAL LITERACY ON THE INCOME OF CULINARY SMES IN TANA TORAJA REGENCY THROUGH PERFORMANCE. Indonesian Journal of Economic Studies, 3(2), 5–12. https://journal.siddiqinstitute.org/IJES/article/view/78
Halik, J. B., Halik, M. Y., Basongan, S., & Mapau, J. (2026). Strategic Distribution , Digital Marketing , and Open Innovation : Toward Integrated Capability Development for SME Performance. Asia Marketing Journal, 27(4), 355–371. https://doi.org/10.53728/2765-6500.1665
HALIK, J. B., PARAWANSA, D. A. S., SUDIRMAN, I., & Jusni, J. (2023). Implications of IT Awareness and Digital Marketing to Product Distribution on the Performance of Makassar SMEs. 유통과학연구 Journal of Distribution Science, 21(7), 105–116. https://doi.org/10.15722/jds.21.07.202307.105
Hanafi, L. A., & Kurniawati, L. (2025). PENGARUH LITERASI KEUANGAN, PEMANFAATAN SISTEM INFORMASI AKUNTANSI, PENGGUNAAN TEKNOLOGI INFORMASI, SUMBER DAYA MANUSIA DAN KUALITAS PRODUK TERHADAP KINERJA UMKM DI KEBUMEN. Edunomika, 09(01), 1–11. https://doi.org/10.29040/jie.v9i1.16621
Irdawati, & Nurlia. (2025). Pengaruh Literasi Keuangan dan Manajemen Kas terhadap Keberlanjutan UMKM Sektor Perdagangan di Kota Bekasi. ECOHOLIC: Jurnal Ekonomi Holistik, 1(1), 35–48. https://ojs.ukipaulus.ac.id/index.php/jeh/article/view/855
Memon, M. A., Ramayah, T., Ting, H., & Cheah, J. (2025). PURPOSIVE SAMPLING : A REVIEW AND GUIDELINES FOR QUANTITATIVE RESEARCH. Journal of Applied Structural Equation Modeling, 9(1), 1–23. https://doi.org/10.47263/JASEM.9(1)01
Miles, M. B., Huberman, A. M., & Saldana, J. (2014). Qualitative Data Analysis: A Methods Sourcebook (3rd ed.). SAGE Publications Inc.
Mongan, C. J., Lambe, K. H. P., & Irdawati, I. (2025). Maximizing SME Financial Performance : The Role of Financial Literacy , Access to Financing , and Business Strategy Abstrak. JEMSI (Jurnal Ekonomi, Manajemen Dan Akuntansi), 11(3), 1552–1563. https://doi.org/10.35870/jemsi.v11i3.4075
Pabane, W., Todingbua, M. A., & Mongan, C. J. (2025). Unlocking Financial Success : How Literacy and Inclusion Shape SME Owners ’ Well-Being in Makassar. Journal of Marketing Management and Innovative Business Review (MARIOBRE), 3(1), 36–43. https://doi.org/10.63416/mrb.v3i1.304
Pammai, A., Paridy, A., & Todingbua, M. A. (2025). Financial Sustainability of Culinary SMEs : Examining the Role of Working Capital and Liquidity in Makassar. Journal of Marketing Management and Innovative Business Review (MARIOBRE), 3(1), 29–36. https://doi.org/10.63416/mrb.v3i1.303
Pareang, T., Mongan, B., & Halik, J. B. (2025). THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL MANAGEMENT ON THE PERFORMANCE OF TAILORING SMES IN NORTH TORAJA. JOURNAL OF ENTREPRENEUR, BUSINESS, AND MANAGEMENT, 3(1), 1–17. https://journal.amkop.id/jebm/article/view/165
Pemerintah Provinsi Papua. (2026). Ekonomi Regional Provinsi Papua. Webpage. https://www.papua.go.id/view-detail-page-131/undefined
Roreng, P. P., Bandhaso, M., & Tandirerung, C. J. (2021). Competency Analysis of Human Resources and the Use of Information Technology on the Quality of Financial Reports in the Local Government of the City of Makassar. WSEAS Transactions on BUSINESS and ECONOMICS, 18(113), 1218–1222. https://doi.org/10.37394/23207.2021.18.113
Roreng, P. P., Halik, J. B., Halik, M. Y., & Irdawati. (2024). Systematic Literature Review : Kondisi Makroekonomi Indonesia Pasca Pandemi Covid-19 dan Prospek di Masa Mendatang. Journal of Marketing Management and Innovative Business Review, 2(2), 56–67. https://doi.org/10.63416/mrb.v2i2.306
Sibarani, E. A., Sabandar, S. Y., & Todingbua, M. A. (2025). Pricing Strategy for Pharmaceutical Products to Improve Profitability : A Case Study of Eliezer Sejahtera Main Clinic Pharmacy , Nabire. Journal of Marketing Management and Innovative Business Review, 3(2), 46–53. https://doi.org/10.63416/mrb.v3i2.380
Sugiyono. (2020). Penelitian Kualitatif. Alfabeta.
Tandigau, Y. N., Jaya, A., & Halik, J. B. (2024). Pengaruh Akses Pembiayaan dan Penggunaan Financial Technology terhadap Kinerja UKM di Kota Makassar ( Studi Kasus Pada UKM di Kota Makassar ). YOS SOEDARSO ECONOMICS JOURNAL (YEJ), 6(3), 110–118. https://ejurnal.yossoedarso.ac.id/index.php/ysej-server/article/view/yej6317
Yudha, W. P., & Candra, W. (2019). Pengaruh Literasi Keuangan Terhadap Akses Pembiayaan Pada Umkm. Almana : Jurnal Manajemen Dan Bisnis, 3(2).
Unduhan
Diterbitkan
Terbitan
Bagian
Lisensi
Hak Cipta (c) 2026 Inneke Kusumastuti, Petrus Peleng Roreng, Sita Yubelina Sabandar (Penulis)
Artikel ini berlisensiCreative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
COPYRIGHT NOTICE
Authors who publish with this journal agree to the following terms:
- Copyright on any article is retained by the author(s).
- The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
- The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License
