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All Journal Jurnal Ekologi Kesehatan SOSIOLOGI NUSANTARA PROFESSIONAL HEALTH JOURNAL Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Multidisciplinary Indonesian Center Journal
Tiara Amelia
Unknown Affiliation
Religion Humanities Earth & Planetary Sciences Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : SOSIOLOGI NUSANTARA

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PT. PNM's Strategy in Preventing Misuse of Business Capital Loans in Bahoras Village, Gunung Tuleh District, West Pasaman Tiara Amelia; Irwan; Sri Rahmadani
Jurnal Sosiologi Nusantara Vol 11 No 2 (2025): Vol 11 No.2
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/jsn.11.2.202-219

Abstract

This study aims to describe the actors involved in the scope of business capital loans and to analyze PT's strategies. Permodalan Nasional Madani (PNM) in preventing such conservation in Nagari Bahoras, Gunung Tuleh District, West Pasaman Regency. The theoretical framework used is Anderson's (1979) public policy theory. This study employs a qualitative descriptive approach, using data collected through observation, in-depth interviews, and document analysis. This study involved 13 informants selected by purposive sampling. The findings indicate that actors who misused the loan funds included farmers, traders, and homemakers. The funds were diverted to non-productive uses, such as household expenses, debt repayment, children's education, and consumption—prevention strategies implemented by PT. PNM includes tightening loan SOPs, assessing business feasibility, increasing supervision, and imposing sanctions on clients who misuse loans. However, the implementation of these strategies remains suboptimal due to weak monitoring and inconsistent enforcement of sanctions.
Co-Authors Alief Rakhman setyanto Bustami Dwi Sisca Kumala Putri Ida Ayu Putu Sri Widnyani Indra Yeni Irwan Kencana Sari Mahfuzh Ihsan Algifari Mieska Despitasari Mutiara Hamidah Napiratul Napiah Nurul Husna Khairani Oktalia Liviyana Oktizulvia, Conny Puput Oktamianti Rohman Daka Sinta Alya Sri Rahmadani Wahyudi Pratama