ANALISIS METODE PEMBIAYAAN BOOTSTRAPPING DAN POLA PEMBIAYAAN PADA USAHA KECIL

Abstract

This research aimed to analyze Bootstrapping and the pattern of small business financing in Sawahan,
Surabaya. While, there were four methods of Bootstrapping, namely Customer Related, Delaying Payments,
Owner-Related Financing & Resources, and Joint Utilization. Moreover, the research was descriptivequalitative.
Furthermore, the instrument used interview with five respondents, in which the result was used as
data analysis. The research result concluded the condition of small business financial, nowadays, was relatively
stable. Despite there was some respondents concluded the economy condition at present was not quite good, the
small business were able to survice until now. In line with the business, the owners expected for its development
in the future. Besides, the Bootstrapping method was expected to be used in various ways in small business.
Moreover, in Customer Related, five respondents had the downpayment from their customers. While in
Delaying Payments, they negotiated the payment circumstances. In addition, in Owner-Related Financing &
Resources the owners had capital payments from their salary and at their home-based business. Furthermore,
there was no willingness in general for the owner of small business applied Joint Utilization.
Keywords: bootstrapping, financing pattern, small business