Efektivitas Pengembalian Dana Pinjaman Kelompok Simpan Pinjam Perempuan (SPP) PNPM Mandiri Perdesaan

Abstract

Women's Savings and Loans (SPP) is a PNPM-MP program that provides capital to women's groups in the form of savings and loan funds for those who already have a business. In general, the activity aims to develop the potential of rural savings and loan activities, the ease of access to micro-scale business funding, the fulfillment of basic social funding needs, strengthen institutional activities for women, and encourage the prevention of poor households (RTM). The study aims to analyze the effectiveness of loan repayments and describe the obstacles for group members in repaying the loan funds. By the simple analysis, the data obtained from the questionnaire will be tabulated to determine the rate of return on revolving fund loans in the SPP program. The primary and secondary data obtained will be analyzed with a qualitative descriptive analysis by comparing conditions in the field with targets, indicators, and other measures set by PNPM Mandiri in Rural Areas. The study results showed that the effectiveness of loan repayments for the women-only savings and loans group decreased due to the increase in collectibility. On the other hand, the obstacles of repaying loan funds include the number of funds not adjusted to the scale of the business, not having a sense of responsibility in the use and repayment of loan funds, weak knowledge of entrepreneurship, and the inoperability of the joint responsibility system in groups.

References

1. Aminadi, I., Sholeh, A., & Ferina, Z. (2021). Analisis Kinerja Keuangan Pada Unit Pengelola Kegiatan (Upk) Dapm-Anm Kecamatan Air Nipis Kabupaten Bengkulu Selatan. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, 9(2 SE-Articles). https://doi.org/10.37676/ekombis.v9i2.1383
2. Anonim. (2015). Petunjuk Teknis Operasional Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri Perdesaan Pengelolaan Dana Bergulir. Tim Koordinasi PNPM - Departemen Dalam Negeri.
3. Aulizul, S. (2014). Efektifitas Pelaksanaan Program Pengentasan Kemiskinan di Kota Padang Panjang. Jurnal Studi Pembangunan, 4.
4. Bungin, B. (2012). Metodologi Penelitian Sosial dan Ekonomi. Prenadamedia Group.
5. Fitri, S., Mariko, S., & Nasfi, N. (2021). Potensi Transformasi SPP Konvensional Menjadi SPP Syariah Melalui Analisa Swot (Studi Pada Kelompok SPP Nagari Cubadak). Jurnal Apresiasi Ekonomi, 9(3), 301–309. https://doi.org/10.31846/jae.v9i3.419
6. Hamdi, Hardjomidjojo, H., & Saleh, A. (2013). Kegiatan Simpan Pinjam Khusus Perempuan di Kecamatan Semparuk, Sambas. MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah, 8(2), 155–169. https://doi.org/10.29244/mikm.8.2.155-169
7. Larasati, R. D., & Yudhananta, S. (2016). Analisis Pengelolaan Dana Bergulir Kelompok Simpan Pinjam Perempuan (SPP) Untuk Meminimalkan Kredit Macet Pada PNPM Mandiri Perdesaan (Studi Kasus Pada UPK Kecamatan Binangun Kabupaten Blitar). Jurnal Kompilek, 8.
8. Listria, R. L. (2016). Pengaruh Program Simpan Pinjam Terhadap Kesejahteraan Anggota Kelompok SPP di UPK Mandiri Sejahtera Binangun Kabupaten Cilacap. Universitas Muhammadiyah Purworejo.
9. Misrah. (2014). Efektivitas Pengembalian Piutang Dana Simpan pinjam Kelompok Perempuan Pada Unit Kegiatan PNPM Kabupaten Pohuwato. Akmen Jurnal Ilmiah, 11.
10. Mulyasari, G. (2015). Kajian Partisipasi Perempuan Terhadap Kegiatan Simpan Pinjam Perempuan (SPP) PNPM Mandiri Di Kota Bengkulu. JSEP, 8.
11. Nudiawati, Afendi, F. M., Setiawan, M. B., Heriwibowo, D., Zuelkiflimansyah, & Witarto, A. B. (2019). Inovasi Pengelolaan Dana Simpan Pinjam Kelompok Perempuan (Spp) pada Unit Pengelola Kegiatan (Upk) di Kabupaten Sumbawa. Jurnal Distribusi.
12. Pangemanan, I. L. R. J., Ngangi, I. C. R., Tangkere, E. G., & Ekonomi, J. S. (2014). Efektifitas Kegiatan Kelompok Simpan Pinjam Khusus Perempuan Di Kecamatan Kauditan Kabupaten Minahasa Utara. Cocos, 4(4).
13. Pertanian, D. (2004). Strategi dan Kebijakan Pembangunan Pertanian.
14. Pujiati, T. (2013). Analisis Kinerja Program Nasional Pemberdayaan Masyarakat (PNPM)Mandiri Perdesaan (Studi pada Kegiatan Simpan Pinjam Perempuan di Kecamatan Cerme Kabupaten Gresik). Publika, 1.
15. Purnamasari, S. A., Fachrudin, A., & Wijaya, A. (2019). The Implementation of Women’s Saving and Loan Of PNPM MPD In Mlati District - Sleman Viewed From The Perspective Of Islamic Economics. Tirtayasa Ekonomika, 14(1), 141. https://doi.org/10.35448/jte.v14i1.5417
16. Rivai, V. (2012). Kepemimpinan dan Perilaku.
17. Widanarto, M. V. C., & Sudibia, K. (2016). Efektivitas Program Simpan Pinjam Kelompok Perempuan (SPP) PNPM Mandiri Perdesaan. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana.
18. Yani, A., G.S, B., & Achmadi. (2015). Pengaruh SPP PNPM-Mandiri Perdesaan Terhadap Kesejahteran Keluarga Anggota Kelompok Di Kecamatan Pinoh Utara. Jurrnal Pendidikan Dan Pembelajaran Khatulistiwa, 4.

License

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

© 2022 Mahmud Mahmud, Andi Nuddin, Andi Sitti Halimah

Indexing & Citations