JAMINAN PERFORMA SEBAGAI SOLUSI PERMASALAHAN PERMODALAN UMKM DI MARKETPLACE
Authors: Parhusip Dewi , Murwadji Tarsisius , Mulyati Etty 
Published: August 2024

Â Permasalahan permodalan merupakan salah satu permasalahan klasik yang dihadapi Usaha Mikro, Kecil, dan Menengah (UMKM). Bantuan permodalan seperti kredit perbankan cenderung sulit untuk diakses karena adanya persyaratan jaminan kebendaan untuk memenuhi aspek-aspek dasar penilaian bank. Marketplace telah menyediakan fasilitas pinjaman dengan syarat performa penjualan penjualan yang secara tidak langsung dapat menjadi jaminan (jaminan performa). Saat ini, belum diketahui lebih lanjut bagaimana perkembangan jaminan performa dalam sistem hukum jaminan, perkembangan pembiayaan dengan jaminan performa melalui fasilitas pinjaman marketplace, serta penerapannya dalam membantu permodalan UMKM di marketplace. Penelitian ini menggunakan metode yuridis normatif dengan analisis yuridis kualitatif untuk mencoba mengkaji dan menganalisis permasalahan yang diteliti. Jaminan performa merupakan salah satu cara untuk menilai kelayakan pemberian pembiayaan kepada UMKM sebagai calon debitur. Pelaksanaan jaminan performa berdasarkan peraturan yang ada belum komprehensif dan dibutuhkan peraturan lebih lanjut untuk mengatur penggunaan jaminan performa sampai ke lingkup usaha menengah. Penyelenggaraan pembiayaan melalui fasilitas pinjaman dengan jaminan performa telah diadakan melalui platform marketplace. Penerapan jaminan performa dapat mengatasi permasalahan permodalan UMKM di marketplace karena dalam hal ini kegiatan usaha yang memiliki kinerja sangat baik yang akan menjadi jaminan bagi pemberian fasilitas pinjaman.Kata-Kunci: Jaminan Performa, Marketplace, Performa Penjualan, Pinjaman, UMKMÂ Capital problems are one of the classic problems faced by Micro, Small, and Medium Enterprises (MSMEs). Capital assistance such as banking credit tends to be difficult to access due to the material guarantee requirements to meet the basic aspects of bank valuation. Marketplace has provided loan facilities with the condition of sales performance that can indirectly be a guarantee (performance guarantee). Currently, it is not yet known further how the development of performance guarantees in the guarantee law system, the development of financing with performance guarantees through loan facilities, and its application in helping the capital of MSMEs in the marketplace. This research used normative juridical methods with qualitative juridical analysis to study and analyze the problems studied. Performance guarantee was one way to assess the feasibility of providing financing to MSMEs as prospective debtors. The implementation of performance guarantees based on existing regulations is not yet comprehensive and further regulations are needed to regulate the use of performance guarantees to the scope of medium-sized businesses. The implementation of financing through loan facilities with performance guarantees has been carried out through the marketplace platform. The application of performance guarantees can overcome MSME capital problems in the marketplace because in this case business activities that have very good performance will become collateral for the provision of loan facilities.Keywords: Performance Guarantee, Marketplace, Sales Performance, Loans, MSMEs