Lack of training and assistance

Oct 13, 2025 by windailys.com 24 views

Analysis of the Growth Rate of Micro Credit Project Financing (PKM) of Sharia People's Credit Bank (BPRS) Puduarta Insani Deli Serdang Regency on Small Business Revenue Before and After Obtaining Credit

Introduction

Small businesses are often considered to be resilient and able to withstand various challenges due to their reliance on personal resources. However, credit programs such as Micro Credit Projects (PKM) can provide new opportunities for the poor in rural and urban areas. Puduarta Insani Sharia People's Credit Bank (BPRS), for example, distributes funds through PKM to help improve the economic conditions of its clients. This study aims to analyze the effect of PKM on small business income in Deli Serdang Regency, specifically in BPRS Puduarta Insani.

Background

The PKM program is designed to provide financial assistance to small businesses, enabling them to increase their revenue and improve their economic conditions. However, the effectiveness of PKM in achieving its goals is still a topic of debate. This study aims to contribute to the existing literature by analyzing the impact of PKM on small business income in Deli Serdang Regency.

Methodology

This study employed a mixed-methods approach, combining field research and literature studies. The data was analyzed using vertical and horizontal tabulation methods, as well as the two average difference tests. The results of the study show a decrease in the amount of credit disbursed and the number of PKM borrowers.

Results

The results of the study indicate that PKM given by BPRS Puduarta Insani did not have a clear impact on increasing small business income before and after receiving credit. This finding may be surprising, considering the main purpose of PKM is to increase small business income.

Why does PKM have no significant effect?

There are several factors that may contribute to the low impact of PKM:

Lack of training and assistance: Small businesses may not have sufficient knowledge and skills to manage finances well, so that the credit received is not used optimally.
Limited access to the market: Despite getting additional capital, small businesses may face difficulties in accessing a wider market to sell their products or services.
Risk Level: Small businesses usually have a higher risk compared to large businesses, so banks tend to be more selective in providing credit.
High operational costs: Increased operational costs, such as raw materials and transportation, can reduce the benefits derived from PKM loans.

Recommendations to increase the impact of PKM

Based on the results of the study, several recommendations can be submitted to increase the effectiveness of the PKM program:

Improvement of training and assistance: BPRS Puduarta Insani needs to provide intensive training and assistance to PKM credit recipients, regarding business management, marketing, and business development.
Supporting program development: Supporting programs are needed such as marketing assistance, access to the market, and expertise training to help small businesses develop.
Synergy with stakeholders: BPRS Puduarta Insani needs to establish cooperation with local governments, non-governmental organizations, and training institutions to improve access and quality of PKM programs.
Periodic Evaluation: It is essential to evaluate the PKM program regularly to monitor the impact and make the required adjustments.

Conclusion

The PKM program has the potential to be an effective tool in improving the standard of living of small businesses in Deli Serdang Regency. However, the results of this study suggest that the program needs to be improved to achieve its goals. By addressing the limitations and challenges faced by small businesses, BPRS Puduarta Insani can increase the impact of PKM and contribute to the economic development of the region.

Limitations of the Study

This study has several limitations that need to be acknowledged. Firstly, the study only focused on small businesses in Deli Serdang Regency, which may not be representative of small businesses in other regions. Secondly, the study only analyzed the impact of PKM on small business income, which may not be the only outcome of the program. Finally, the study only used a mixed-methods approach, which may not provide a comprehensive understanding of the impact of PKM.

Future Research Directions

Future research can build on the findings of this study by exploring the following research directions:

Longitudinal study: A longitudinal study can be conducted to analyze the impact of PKM on small business income over a longer period.
Comparative study: A comparative study can be conducted to compare the impact of PKM on small business income in different regions.
Qualitative study: A qualitative study can be conducted to gain a deeper understanding of the experiences and challenges faced by small businesses in accessing PKM.

References

[List of references cited in the study]

Appendix

[Appendix containing additional data and information]

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Frequently Asked Questions (FAQs) about the Analysis of the Growth Rate of Micro Credit Project Financing (PKM) of Sharia People's Credit Bank (BPRS) Puduarta Insani Deli Serdang Regency on Small Business Revenue Before and After Obtaining Credit

Q: What is the main purpose of the Micro Credit Project (PKM) program?

A: The main purpose of the PKM program is to provide financial assistance to small businesses, enabling them to increase their revenue and improve their economic conditions.

Q: What is the significance of this study?

A: This study aims to analyze the impact of PKM on small business income in Deli Serdang Regency, specifically in BPRS Puduarta Insani. The study contributes to the existing literature by providing insights into the effectiveness of PKM in achieving its goals.

Q: What are the limitations of the PKM program?

A: The study identifies several limitations of the PKM program, including:

Lack of training and assistance for small businesses
Limited access to the market for small businesses
Higher risk level for small businesses compared to large businesses
High operational costs for small businesses

Q: What are the recommendations to increase the impact of PKM?

A: The study recommends the following to increase the impact of PKM:

Improvement of training and assistance for small businesses
Supporting program development, such as marketing assistance and access to the market
Synergy with stakeholders, including local governments, non-governmental organizations, and training institutions
Periodic evaluation of the PKM program to monitor its impact and make adjustments

Q: What are the implications of this study for policymakers and practitioners?

A: The study has implications for policymakers and practitioners in the following areas:

Policymakers should consider the limitations of the PKM program and develop strategies to address them
Practitioners should provide intensive training and assistance to small businesses to help them manage finances effectively
Stakeholders should collaborate to improve access and quality of PKM programs

Q: What are the future research directions for this study?

A: Future research can build on the findings of this study by exploring the following research directions:

Longitudinal study to analyze the impact of PKM on small business income over a longer period
Comparative study to compare the impact of PKM on small business income in different regions
Qualitative study to gain a deeper understanding of the experiences and challenges faced by small businesses in accessing PKM

Q: What are the potential applications of this study?

A: The study has potential applications in the following areas:

Development of more effective microfinance programs for small businesses
Improvement of access to credit for small businesses
Enhancement of the economic development of Deli Serdang Regency and other regions

Q: What are the limitations of this study?

A: The study has several limitations, including:

The study only focused on small businesses in Deli Serdang Regency, which may not be representative of small businesses in other regions
The study only analyzed the impact of PKM on small business income, which may not be the only outcome of the program
The study only used a mixed-methods approach, which may not provide a comprehensive understanding of the impact of PKM

Q: What are the future implications of this study?

A: The study has future implications for the development of more effective microfinance programs for small businesses, improvement of access to credit for small businesses, and enhancement of the economic development of Deli Serdang Regency and other regions.