Efektifitas Pelaksanaan Program Pinjaman Bergulir (PNPM Mandiri Perkotaan) di Kelurahan Karang Berombak Kecamatan Medan Barat Kota Medan

Abstract

Revolving Loan Program is a community empowerment program that launched by the government to reduce poverty and unemployment through the provision of micro loans to people who have a business or has the potential to start a business. Effectiveness implementation of the revolving loan program is determined from the achievement of the institutional aspects, aspects of the target beneficiaries revolving loan program, aspects of business continuity and sustainability of the program, aspects of self reliance and empowerment as well as aspects of the influence of revolving loan programs for the community, in the implementation of capacity building through strengthening the venture capital community. This study was conducted to discuss the issue. The Research conducted in the sub district Karang Berombak west medan district of Medan city with the aim to describe the effectiveness implementation of a revolving loan program in these village. This study is use descriptive type with quantitative approach. The data was collected through a questionnaire to 51 people giving the respondents, where respondents were selected using cluster sampling method. In addition, data collection is also done through in depth interviews to 8 (eight) respondents. Data from the interviews used to strengthen the quantitative interpretation. The study concluded that the implementation of a revolving loan program in the sub district Karang Berombak still in the category of less effective. Ineffectiveness of these conditions can be explained by: poor socialization implementation; small amount of the loan; not maximal function and the role of the BKM/UPK and training facilitators in the household economy in particular assistance to managed community businesses, the inability of programs to reduce community dependence on other party; not realize that implementing welfare revolving loan program; and not the realization of social capital in the community. Looking at the above conditions, it takes an active role, cooperation, and responsibilities of all parties involved in the implementation of a revolving loan program to achieve the target of the actual program to address the problem of poverty.