Analisis SWOT Pembiayaan Dan Pengelolaan Keuangan UMKM Di Merauke

Abstrak

This research aims to analyze the financing conditions and financial management practices of MSMEs in Merauke Regency with a focus on financing structures, bookkeeping practices, structural obstacles, as well as the role of financial institutions and government programs. The approach used is a literature review through the integration of secondary data from BPS, local government reports, academic literature, as well as local case studies regarding microfinance, cooperatives, and the implementation of the UMi/KUR program. SWOT analysis was applied to map the strengths, weaknesses, opportunities and threats in the Merauke MSME financial ecosystem. The results of the analysis show that MSMEs in Merauke are still very dependent on their own capital and relational capital, while the distribution of formal financing such as UMi and KUR is relatively low compared to other regions in Indonesia. Financial management practices are still limited, especially in recording transactions and separating personal and business accounts. Structural obstacles in the form of geographical conditions, high logistics costs, limited market infrastructure, and low administrative capacity of business actors are the main factors that hinder access to financing and expansion opportunities.

Although institutions such as Bank Papua, BRI, cooperatives, and regional agencies have implemented mentoring programs, the effectiveness of the intervention increases when combined with ongoing mentoring and a culturally sensitive approach. This research recommends improving the financing ecosystem through the integration of mentoring programs, strengthening financial literacy, digitizing bookkeeping, as well as improving logistics infrastructure and market access to encourage Merauke's MSMEs to move up in class.