PELAKSANAAN PROGRAM KREDIT USAHA PENGEMBANGAN USAHA EKONOMI PRODUKTIF MODAL KECIL DI KABUPATEN BANTUL - YOGYAKARTA

Abstract

Implementation of credit program of economically productive business small capital in Bantul district as a learning process the use of banking services for borrowers classified as unsuccessful, only about 24% of borrowers, especially among traders who have been to his business more than 10 years. Credit program to enlarge the business scale has not been successful largely as expected, partly due to limited capacity, have no motivation to move forward. Small traders, poor, little money loans, short loan repayment up to a year, did not get to play longer in the capital increase. After the loan is given, briefly the capital increase of about seven months, then slowly shrink, ultimately there is no progress as before. Implementation of credit programs for business development has not succeeded in increasing revenue of economically productive business small capital.

Key Words :  economically, productive, business