Perkembangan dan Peran Perum Pegadaian dalam Penyaluran Kredit Terhadap Peningkatan Usaha Kecil Menengah Di Medan
Eva Basaria Situmorang
Drs. Tuana Simamora, MS
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Pegadaian is excessively related to poorness. Generally, we connect activity of Pegadaian with part of requiring small money. Because the customers come from impecunious group or margin group. But in the reality, Pegadaian is growth during some last a decay. There are many people exploiting it as source of fund to strengthen effort and also to fulfill requirement of living cost. Pegadaian is financial institution giving service loaning of money. Company vision have meaning for fundamental target wishing to be reached, representing goals to get company added value, and also market characteristic served and also conducted business. Vision of Perum Pegadaian which is decanted in Regulation of Government of NO.103 / 2000 with formula, that is “Pegadaian in the year 20I0 becoming modern company, dynamic, and especial effort and inovatif". Company mission explain to the target of company founded and based upon the history company and also company prospect. And follow to assist government's program in the effort improving prosperity of middle faction society downwards through especial activity in the form of channeling of credit menage and conduct beneficial effort. Growth of Perum Pawnship office measured through three indicator, that is growth of given loan money, growth of mortgage and growth of client amount. Natural The growth of given loan money is about 12,-6Q01o per its year. If seen from growth of mortgage, is down about 0,18% per its year. And fur the growth of Perum Pegadaian seen from amount of client, is down about 3,54% per its year. For its role, looked from calculation of coefficient at equation of regresi using smallest square method, showing that no role of credit reality of Perum Pegadaian to make-up of middle small industry at trust storey; level 95%, but still have an effect on positive between giving of credit to make-up of middle small industry.
- SP - Economic Development