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All Journal KOMUNITAS: INTERNATIONAL JOURNAL OF INDONESIAN SOCIETY AND CULTURE Jurnal Borneo Administrator: Media Pengembangan Paradigma dan Inovasi Sistem Administrasi Negara Jurnal Dakwah Risalah Jurnal Antropologi: Isu-Isu Sosial budaya Komunikator JURNAL KOLABORASI Cosmogov: Jurnal Ilmu Pemerintahan JURNAL ILMU PEMERINTAHAN Journal of Governance and Public Policy Jurnal Manajemen Keuangan Publik JPPUMA: Jurnal Ilmu Pemerintahan dan Sosial Politik Universitas Medan Area Nyimak: Journal of Communication Jurnal Bina Praja Jurnal Komunikasi JWP (Jurnal Wacana Politik) Dinamisia: Jurnal Pengabdian Kepada Masyarakat Sospol : Jurnal Sosial Politik Journal of Local Government Issues Communicare : Journal of Communication Studies Politicon : Jurnal Ilmu Politik JDP (Jurnal Dinamika Pemerintahan) Journal of Contemporary Governance and Public Policy Nakhoda: Jurnal Ilmu Pemerintahan Journal of Government Science (GovSci ) : Jurnal Ilmu Pemerintahan COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Provider Jurnal Ilmu Pemerintahan (PROJIP)
M. Rafi
Master Of Government Affairs And Administration, Universitas Muhammadiyah Yogyakarta, Indonesia
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Journal : JURNAL KOLABORASI

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Review of the Effectiveness of the Loan Interest Subsidy Program for Micro, Small and Medium Enterprises by the Cooperative Office of Small and Medium Enterprises (UKM) Pekanbaru City Milda, Gustia; Rafi, M.
Kolaborasi : Jurnal Administrasi Publik Vol 11, No 1 (2025): April 2025
Publisher : Department of Public Administration, Muhammadiyah University of Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/kjap.v11i1.17253

Abstract

The Pekanbaru City SME Cooperative Office holds a loan interest subsidy program that aims to support the implementation of the National Economic Recovery (PEN) program and assist business actors in running their businesses. In its implementation, business actors must take part by developing their business. But in reality, there are problems for business actors, namely the lack of quality of human resources, difficulties in realizing procedures and permits from the Government, the lack of capital owned by business actors and difficulties in obtaining loans. The research method used in this research was descriptive qualitative. Data collection techniques were carried out using interviews and documentation techniques. The data analysis technique in this research used Nvivo 12 Plus software using the theory of measuring program effectiveness by Sutrisno. The results of this study indicate that from the aspect of understanding the program for business actors, they do not fully understand and are able to deal with the consequences of late payment of loan interest subsidies. The right target indicator has not been able to achieve the objectives of the loan interest subsidy program because there is a Cost Budget Plan (RAB) that does not match the actual conditions. Timely indicators, which are quite slow in the process of distributing the loan interest subsidy program. Then the real change indicator found that the loan interest subsidy program has not been able to bring about changes because there are still many problems that occur such as bad credit, lack of responsiveness, short repayment times, and many who ask for unsecured. From these problems, it can be said that the loan interest subsidy program implemented has not been effective and has not been able to bring impact or change to the community as business actors.
Co-Authors ', Wazni Abdul Munir Mulkan Achmad Nurmandi Afandi, Syed Agung Agus Priyanto Agus Susanto Akbar, Paisal Al Fauzi Rahmat Al Fauzi Rahmat Ali Yusri Andika Yasa Ardiansyah Ardiansyah Ardiansyah Ardiansyah Ardiansyah ARDIANSYAH ARDIANSYAH Azhar, Muhammad Baskoro Wicaksono, Baskoro Dávid, Lóránt Dénes Deni Setiawan Deni Setiawan Deni Setiawan Dyah Mutiarin, Dyah Efendi Ibnu Susilo Eko Priyo Purnomo Eko Priyo Purnomo Erdayani, Rizki Fadli, Mashur Faez Syahroni Fajar Rahmanto Fajar Rahmanto Fajar Rahmanto Fajar Rahmanto Fitri Ramadhani Handoko, Tito Hazqon Fuadi Nasution Hidayati, Mega Jubba, Hasse Milda, Gustia Mochammad Iqbal Fadhlurrohman Muchammad Iqbal Firmansyah Muslim Afandi Pahmi Amri Panca Setyo Prihatin Pane, Rico Purnawandi Purwaningsih, Titin Rahmanto, Fajar Rahmat, Al Fauzi Refaldo Asta Suparto Suparto Suswanta Syahroni Alby Titin Purwaningsih Tito Handoko Ulung Pribadi Ulung Pribadi, Ulung Wan Asrida Wasillah, Asiah Zebua, Ben Hansel Notatema Zuly Qodir Zuly Qodir