PENGEMBANGAN USAHA BANK SAMPAH SEBAGAI MITRA PERBANKAN MELALUI PEMBENTUKAN AGEN BANK PADA KELOMPOK BANK SAMPAH DI KECAMATAN KEMBANGAN JAKARTA BARAT
DOI:
https://doi.org/10.22441/jam.2018.v3.i2.003Keywords:
Pengembangan Usaha, Bank Sampah dan Agen BankAbstract
Pemanfaatan bank sampah dapat membantu masyarakat dalam meningkatkan kreatifitas dan peningkatan pemberdayaan ekonomi masyarakat, selain menciptakan lingkungan yang sehat dan bersih. Rendahnya frekwensi
penimbangan dan rendahnya pendapatan bank sampah, maka perlu dilakukan alternatif pengembangan usaha. Pengembangan usaha Bank Sampah sebagai mitra perbankan melalui pembentukan agen bank merupakan upaya
peningkatan ekonomi kerakyatan bagi pengurus dan anggota bank sampah, keamanan transaksi keuangan, tertib administrasi dan peningkatan minaat menabung sehingga usaha bank sampah dapat berjalan secara berkesinambungan. Keterbatasan akses layanan keuangan terutama bagi masyarakat yang belum menggunakan dan mendapatkan layanan perbankan dan layanan keuangan lainnya, maka Otoritas Jasa Keuangan (OJK) mewujudkan komitmentnya dalam keuangan inklusif melalui program branchless banking yang merupakan program perluasan jangkauan perbankan
tanpa kantor dengan memanfaatkan media teknologi, serta dibantu oleh agen seperti toko, kantor pos, perorang dan sebagainya. Produk dari layanan ini tabungan dengan karakteristik Basic saving Account (BSA), kredit atau
pembiayaan nasabah mikro, asuransi mikro dan produk keuangan lainnya. Tabungan BSA merupakan tabungan dengan berbagai manfaat dan kemudahan seperti tanpa batas minimal saldo saldo rekening maupun batasan minimal setoran, berbiaya murah bebas dari biaya administrasi bulanan. Kredit bagi nasabah mikro dengan jangka waktu kredit paling lama satu tahun atau lebih lama sepanjang sesuai dengan siklus usaha. Analisis Kelayakan permohonan kredit juga tidak mengutamakan keberadaan agunan tambahan.Metode pelaksanaan menggunakan pendekatan persuasif dan fungsi manajemen yaitu perencanaan, implementasi (aktualisasi dan pengorganisasian) dan pengendalian.Target capaian luaran kegiatan ini publikasi ilmiah pada jurnal ber ISSN, terbentuknya Agen Bank, peningkatan omzet
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