Model Of Handphone Utilisationas Informaton Media At Umkm In Bogor District
Phenomena happened in the Medium and MicroBusiness Units(UMKM), theyhavepicked or chosenbetter ‘BPKB(vehicles ownership book)pawn system’ than loan system offered by the banks, because BPKB Pawn Systemis easyto apply using handphonefacilitythathas attracted UMKM obviously. Problems design offered in this research is the extent to which handphone utilization has become intermediate access to financing UMKM facilitated by Bank of Indonesia policy.What kind of handphone technology innovation will be developed to access UMKM capital?. To what extent is technology innovationutilized by UMKM? To what extent isthe district economics competitiveness in Bogor Districtto be improved? This research has applied quantitative descriptive method. Result of the research has identifiedthat variable of technology innovation has been affecting district competitiveness.And model of tripartite cooperation between Bank of Indonesia, Ministry of Internal Affairs and Ministry of Communication and Information is offered to produce capitalinformation policy for UMKMwhich is cheap, easy and efficient. Suggestions offered are expected to have an applicable policy of Bank of Indonesia to bridge capital loan facility from bank to UMKM using handphone.