Strategi pengembangan perusahaan penjaminan kredit Daerah (studi kasus PT Jamkrida Ria)

The obstacles faced by Micro, Small and Medium Enterprises (MSMEs) in Riau Province and other regions in Indonesia are difficulties in obtaining bank credit. This obstacles caused by a non-fulfillment of credit requirements such as provision of collateral. The government forms a credit guarantee company as the party that can solve the problem of access to capital by replacing the credit collateral required to apply for bank credit. One of the credit guarantee businesses in Riau Province is carried out by PT. Jamkrida Riau. PT. Jamkrida Riau is a regional company in Riau Province which was founded based on the potential needs of MSMEs for increasing access to finance. The company faces several problems in increasing the credit guarantee capacity, including limited working capital, limited services, increasing cost expenses every year. This research aims to 1) identify internal and external factors that influence the development of PT. Jamkrida Riau; 2) analyzing alternative credit guarantee business strategies that are appropriate for the Company; and 3) formulating appropriate managerial implications for strengthening the credit guarantee business. Data obtained through observations in the company, interviews and questionnaires. This study involved six respondents from internal and external parties. Analytic tools that used in this research are Internal Factor Evaluation (IFE) matrix, External Factor Evaluation (EFE) matrix, Internal-External (IE) matrix, and Quantitative Strategic Planning Matrix (QSPM). The results showed that the main strength factor possessed by the company is the trust of its banking partners in PT Jamkrida Riau as a regional owned enterprises. The main weakness factor is limited business capital. The main opportunity factor that the company can take advantage of is economic growth in Riau Province. The main threat factor faced by the company is the company's ability to pay credit risk/claim fees which can lead to increased company spending. Strategies designed to improve company performance in guarantee MSMEs based on a SWOT analysis are: 1) Increasing risk mitigation in the credit guarantee process; 2) Increasing the capacity of capital participation from local governments and other investors; 3) Increase cooperation with other institutions related to credit guarantees; 4) Increasing the adaptation of information technology 5) Providing assistance to MSMEs; 6) Development of guarantee products in accordance with the business focus; 7) Product marketing development. QSPM analysis determines the priority of alternative strategies that produce the highest Total Attractive Score (TAS), namely credit guarantee risk mitigation (5,891)