Evaluasi Kebijakan Pemerintah Daerah Dalam Meningkatkan Akses Pembiayaan Pelaku UMKM Di Kabupaten Kubu Raya
DOI:
https://doi.org/10.31571/sosial.v12i3.9692Keywords:
Efektivitas, Efisien, Dampak, KeberlanjutanAbstract
Usaha Mikro, Kecil, dan Menengah (UMKM) memainkan peran penting dalam pembangunan ekonomi daerah. Namun, keterbatasan anggaran dan sumber daya menjadi kendala utama dalam mendorong inovasi, khususnya di Kabupaten Kubu Raya. Meskipun kebijakan daerah mendukung pengembangan UMKM, implementasi di lapangan masih terbatas oleh lemahnya pengawasan dan rendahnya efektivitas anggaran. Penelitian ini bertujuan mengevaluasi kebijakan pemerintah daerah dalam penguatan UMKM melalui pendekatan deskriptif kualitatif. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi selama lima bulan pada Dinas Koperasi UKM dan tiga kecamatan. Temuan menunjukkan bahwa 92% UMKM adalah usaha mikro yang didominasi sektor perdagangan, jasa, dan produksi. Pelatihan struktural mampu meningkatkan produktivitas hingga 30%, namun tantangan seperti literasi keuangan yang rendah dan kurangnya pendampingan masih menghambat akses pembiayaan dan inovasi. Oleh karena itu, diperlukan kolaborasi multisektor dan transparansi anggaran guna menciptakan ekosistem inovasi yang berkelanjutan.
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