Kinerja Program Dana Pinjaman Bergulir dalam Memberdayakan Sektor Usaha Mikro Kecil Menengah (UMKM) di Dinas Koperasi dan Perdagangan Kabupaten Asahan

Abstract

The revolving loan fund program is the provision of loans to MSME actors, either directly or through intermediaries, which is a manifestation of the implementation of the functions and roles of LPDB-KUMKM as an instrument of government policy in the field of empowerment to cooperatives and MSMEs, through providing access to financing for cooperatives and MSMEs so that they can increase the business and competitiveness of the products to be produced. Asahan Regency is an area in North Sumatra Province that carries out regional autonomy, where the Asahan Regent has the right to regulate his own regional household affairs, for that the Asahan Regency Government issues a Revolving Loan Fund program as a government effort to support the development of MSMEs through the distribution of assistance to MSME actors. The method used is descriptive qualitative research method. In researching, researchers conducted interviews with the Office of Cooperatives and Trade of Asahan Regency, the Head of the UPT Revolving Loan Fund, and the people of Asahan Regency who received and did not receive Revolving Loan Funds. Then also conduct observations and documentation to answer research problems. In analyzing the data, it is done by data reduction, data presentation, and data inference. The data that has been obtained is then analyzed qualitatively with the theory of Jann & Wegrich (2007) which suggests to see the implementation of programs or policies through indicators of program details specifications, resource allocation, and decisions. The results from the field research conclude that the revolving loan fund program in Asahan Regency has been running since 2018. The performance of the Asahan Regency Cooperative and Trade Office and the Revolving Loan Fund UPT is quite good. However, there are still many problems that are found, such as not being right on target because there are recipients who have fictitious businesses while those who actually have businesses do not get loans, besides that there are still many borrowers whose payments are in arrears. This is due to the lack of monitoring from the distributors of the revolving loan program.