Program Simpan Pinjam PNM Mekaar dalam Pengembangan Pelaku Usaha Mikro Kecil dan Menengah (UMKM) di Desa Parbubu Kecamatan Tarutung

Abstract

PT Permodalan Nasional Madani (PNM) Mekaar (Fostering a Prosperous Family Economy) is a group based capital service aimed at underprivileged women who are micro business activists, whether they want to start a new business or who already have a business and want to develop their business. This research aims to analyze the implementation of th e Mekaar Ultra Micro Financing Program (PNM) in the development of micro, small and medium enterprises (MSMEs) in Parbubu Village, Tarutung District. This research uses a qualitative method with a case study approach. Data was collected through in depth i nterviews with MSME players who are members of the Mekaar program, as well as direct observation of their business activities. The research results show that PNM Mekaar has a significant impact on the business development of MSME actors in Parbubu Village. This program not only provides easy access to capital, but also provides assistance and training that helps micro entrepreneurs manage finances and improve skills. The PNM Mekaar program was successful in its implementation in accordance with business dev elopment indicators (Agustina, 2006), namely increasing the income of MSME players, improving the quality of human resources, increasing the number of customers and improving product quality.