Jurnal Pengkajian Koperasi dan UKM - Smecda

CURRENT CONTENT
JOURNAL COOPERATIVE ASSESSMENT AND SMALL MEDIUM ENTERPRISES
ISSN 1978-2896 Issued: September 2011
shares contribution. Meanwhile shares contribution for
border areas between Belu district and Timor Leste
increase from 3% to 10%. This model is designed in
accordance with the trend scenario for people who only
sell raw materials without processing by creating a
semi-finished goods or final products.
Key words: SMEs model, disadvantage areas and
border region
Akhmad Junaidi (Deputy Minister For Research &
Development of SME & Cooperative Resources) and
Muhammad Joni (Deputy Minister of Development and
Business Restructuring)
UTILIZATION OF INTELECTUAL PROPERTY
RIGHTS CERTIFICATES AS COLLATERAL LOAN
JRL. Coop. Sept. 2011 Vol. 6-Sept. h. 124 - 141
Assessmt.
and SME
Intellectual Property Rights (IPRs) in developed
countries have increased their use as collateral to
obtain loans or financing from financial institutions.
The economic value of IPR can be determined by
calculating the market value for example, the cost of
making/reproduction, depreciation replacement cost,
liquidation value, and value of insurance. The problem
faced in Indonesia is the unavailability of the provisions
on the use of IPR as collateral in loans, the banking
system. The purpose utilizes IPR as collateral loan is to
assist SMEs and Cooperatives in completing the credit
requirements. Although the IPR can be used as loan
collateral, but the position in the underwriting
agreement to an additional agreement complements the
primary credit agreement. This research uses
descriptive analysis to conduct focused literature review
to explore an important role, IPR rules and regulations
guarantee bank lending in Indonesia. IPR has the
prospect to be used as collateral for loans, because the
IPR has an economic value can be calculated based on
market prices, can be executed, can be transferred
either wholly or partly by inheritance, grants, wills,
written agreement or other causes that are justified by
the law of rules. In addition, the loan guarantee
agreement, including the use of IPRs as collateral is
generally associated with the raw action and
executorial.
Key words: Intelectual Property Right (IPR), collateral
Riana Panggabean (Deputy Minister For Research &
Development of SME & Cooperative Resources)
ANALYSIS OF EQUIPMENT NEEDS AT THE CENTER
POTTERY
JRL. Coop. Sept. 2011 Vol. 6-Sept. h. 142 - 158
Assessmt.
and SME
The purpose of this research is to find out the needs
assessment of equipment/technology for SMEs in the
center of ceramics and learn optimization of
equipment/technology pottery. The benefits of this
research as an input for policy makers in order to
develop the role of SMEs in the center of earthenware
pottery and quality improvement in accordance with
market demand.
Conclusions and recommendations of this research
are SMEs and most of the pottery craftsmen still using
simple technology. This type of equipment needs/Potter's
technology can be grouped into three types of technology
for the processing of raw materials, forming, printing
and marketing.
To optimize equipment/technology, SMEs and
craftsmen/artisans need education and capital. There is a
desire that SMEs want to have the modern
equipment/technology but do not have the ability to buy.
In general, the craftsmen do not have the capability of
capital. It is therefore necessary to have capital to buy
and operate this type of technology based on demand.
In addition to operationalize equipment/technology,
English language education is also needed for SMEs and
craftsmen in order to cater buyers from abroad.
Key words: need of equipments/technology, SMEs,
education and capital