Studi ini bertujuan mengkaji kewenangan Pemerintah untuk menyediakan pembiayaan bagi Usaha Mikro dan Kecil serta terpenuhinya persyaratan dalam rangka memperoleh pembiayaan. Metode yang digunakan dalam studi adalah metode penelitian hukum normatif dengan menggunakan pendekatan perundang – undangan. Hasil studi menunjukkan bahwa ketentuan Pasal 21 Ayat (1) Undang – Undang Nomor 20 Tahun 2008 tentang Usaha Mikro, Kecil, dan Menengah yang mengatur tentang pembiayaan Usaha Mikro dan Kecil tampak kabur sehingga menimbulkan multitafsir dalam hal kewenangan Pemerintah untuk menyediakan pembiayaan. Kemudian dalam ketentuan Pasal 23 huruf c tidak adanya ketentuan yang mengatur secara eksplisit syarat – syarat yang harus dipenuhi Usaha Mikro dan Kecil guna memperoleh pembiayaan. Agar Usaha Mikro dan Kecil dapat memperoleh pembiayaan dengan ketentuan aturan yang jelas memerlukan suatu kepastian hukum sehingga tercapainya kemanfaatan, dan keadilan hukum dalam usaha menjaga stabilitas Usaha Mikro dan Kecil sebagai pendukung strategis pembangunan perekonomian nasional. This study aims to examine the Government's authority to provide financing for Micro and Small Enterprises and to fulfill the requirements in order to obtain financing. The method used in the study is a normative legal research method using the statutory approach. The study results show that the provisions of Article 21 Paragraph (1) of Law Number 20 Year 2008 concerning Micro, Small and Medium Enterprises that regulate Micro and Small Enterprise financing appear to be blurred, giving rise to multiple interpretations in terms of the Government's authority to provide financing. In the provisions of Article 23 letter c there is no provision that explicitly regulates the conditions that must be met by Micro and Small Enterprises in order to obtain financing. So that Micro and Small Enterprises can obtain funding with clear rules requiring legal certainty, the benefits and legal justice in efforts to maintain the stability of Micro and Small Enterprises as strategic supporters of national economic development can be achieved.
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