Analisa Resiko Penambahan Modal Melalui “Bank Keliling” Sebagai Upaya Meningkatkan Produktivitas PedagangAnalisa Resiko Penambahan Modal Melalui “Bank Keliling” Sebagai Upaya Meningkatkan Produktivitas Pedagang

Abstract

Mobile banks are defined as non-bank institutions or individuals that lend money. The interest risk is usually high and the collection is done every day. Traders at the Kopindo Metro Traditional Market need additional capital to continue their business. Business capital is very important for them, but access to other financial institutions is limited. The existence of "mobile banks" makes it easier for traders to add additional capital compared to other financial institutions. Despite these risks, "mobile banks" allow traders to get capital loans easily, can be done anywhere based on agreement, and do not require many conditions or even collateral. This type of research is qualitative research. Using primary data sources and secondary data. Data collection methods use observation, interviews and documentation. The purpose of this study is to determine the risk analysis of additional capital for traders through "Mobile Banks" at the Kopindo Metro Traditional Market and to determine whether additional capital through "mobile banks" can increase the productivity of traders at the Kopindo Metro Traditional Market. The results of the study prove that the identified risks include high interest rates that can cause heavy financial burdens, unethical collection practices, potential violations of the law, and the risk of confiscation of goods. However, despite the risks, many traders still choose to borrow because of their urgent needs. Although this additional capital does not directly increase trade productivity, it helps in maintaining trade turnover and meeting daily needs. Traders need to be aware of the risks involved and ensure they can manage their payment obligations on time to avoid financial stress in the future.