ANALISIS PENYEBAB KREDIT MACET PADA BUMDes DESA UMA BERINGIN KABUPATEN SUMBAWA

Abstrak

The purpose of this study was to find out the analysis of bad credit on savings and loan village- owned enterprises (BUMDes) Tunas Beringin, Uma Beringin village, Unter Iwes district, Sumbawa district. The type of research used was a qualitative method. Data collection techniques used observation, interview, documentation and sources. data uses prime data. The results of this study indicate that there is a lack of understanding of the community with the presence of BUMDes as Village Banks whose capital is from the village government, namely the lack of information obtained regarding savings and loans managed by BUMDes. The debtor suffered a loss in yields, namely a decrease in yields and a drop in the price of crops. Misuse of funds, namely at the time of the initial application and after the funds were disbursed. the debtor's business suffers a loss. There is no customer business survey before and after the funds are disbursed, that is, supervision at the BUMDes itself does not work so there is no monitoring of the customer's business.