%0 Journal Article
%A NN, AKHMAD AL KAUTSAR
%D 2012
%F eprints:17597
%J Digital Library
%T PERAN BANK PERKREDITAN RAKYAT DALAM PEMBERDAYAAN  USAHA MIKRO  (Studi Kasus Pada PT. BPR Lampung Bina Sejahtera)
%U http://digilib.unila.ac.id/17597/
%X ABSTRAK.    Tujuan penelitian ini adalah untuk mengetahui dan menjelaskan peran Bank  Perkreditan Rakyat dalam pemberdayaan usaha mikro. Metode yang digunakan  dalam penelitian ini adalah kualitatif. Informan ditentukan dengan purposive  sampling yakni penentuan disesuaikan dengan kriteria tertentu yang ditetapkan  berdasarkan tujuan penelitian. Data diperoleh dari hasil wawancara dan  menggunakan dokumen. Selanjutnya analisis data dilakukan dengan reduksi data,  display atau penyajian data dan tahap kesimpulan (verifikasi). Lokasi penelitian di  PT. BPR Lampung Bina Sejahtera, Bandar Lampung. Informan dalam penelitian  ini berjumlah 4 orang, yang terdiri dari pihak Bank melalui salah seorang Staff  Account Officer yang mengurusi penyaluran kredit dan pihak nasabah yang  bergerak dalam usaha mikro. Hasil penelitian menunjukkan bahwa Bank  Perkreditan Rakyat sebagai salah satu lembaga ekonomi mikro, mempunyai peran  dalam pemberdayaan usaha mikro melalui penyediaan modal usaha, proses  pendampingan (pembinaan), penyediaan sarana untuk pelayanan dalam membantu  usaha mikro mengatasi permasalahan yang dihadapi dan pengawasan. Pembinaan  dilakukan dengan cara langsung dan tidak langsung. Pembinaan secara langsung  adalah dengan berdiskusi atau berbicara langsung secara personal, dan melalui  pelatihan. Sedangkan pembinaan secara tidak langsung yaitu dengan menganalisis  data operasional kredit dan neraca rugi/laba usaha nasabah. Adapun hambatan  yang dihadapi Bank Perkreditan Rakyat dalam proses pemberdayaan terhadap  usaha mikro, adalah permasalahan internal seperti kurangnya tenaga ahli yang  dimiliki. Sedangkan hambatan eksternalnya adalah, keadaan usaha yang tidak  kondusif serta masih bersifat tertutupnya usaha mikro yang menjadi nasabah  dalam pelaporan kegiatan usaha. Strategi yang ditempuh oleh Bank Perkreditan  Rakyat dalam menghadapi hambatan tersebut antaralain berupa, melakukan  kerjasama dengan Bank Indonesia untuk menutupi kekurangan tenaga ahli yang  mereka miliki. Kemudian melakukan pendekatan yang lebih intens lagi terhadap  nasabah yang masih bersifat tertutup dalam pelaporan kegiatan usahanya.  Kata kunci : peran, Bank Perkreditan Rakyat, usaha mikro  THE ABSTRACT  The ROLE of the PERKREDITAN RAKYAT BANK in EMPOWERMENT  of MICRO efforts  (The case study In PT. BPR Lampung Bina Sejahtera)  Oleh  AKHMAD AL KAUTSAR  The aim of this research was to know and explain the role of the Perkreditan  Rakyat Bank in empowerment of micro efforts. The method that was used in this  research was qualitative. The informant was determined with purposive sampling  that is the determination was matched with the certain criterion that was appointed  to be based on the aim of the research. The data was received from results of the  interview and used the document. Further the analysis of the data was carried out  with the reduction in the data, display or the presentation of the data and the  conclusion stage (the verification). The location of the research in PT. BPR  Lampung Bina Sejahtera, Bandar Lampung. The informant in this research  numbering 4 people, who consisted of the Bank's side through one of the staffs the  Officer Account that was in charge of the channelling of credit and the customer's  moving side in an effort to micro. Results of the research showed that the  Perkreditan Rakyat Bank as one of the micro-economics agencies, had the role in  empowerment of micro efforts through the provisions of capital of efforts, the  process of assistance (the management), the provisions of means for the service in  helping micro efforts to overcome the problem that was dealt with and the  supervision. The management was carried out by means of direct and indirectly.  The management directly was by discussing or speaking directly personally, and  through the training. Whereas the management in a manner indirectly that is by  analysing the operational data credit and the balance of the loss/the profit of the  customer's efforts. As for the obstacle that was dealt with by the Perkreditan  Rakyat Bank in the process of empowerment towards micro efforts, was the  internal problem like the shortage of the expert who was had. Whereas his  external obstacle was, the efforts situation that was not conducive as well as still  was closed him micro efforts that became the customer In the Report the efforts  activity. The strategy that was followed by the Perkreditan Rakyat Bank in facing  this obstacle in part take the form of, carried out the co-operation with the  Indonesian Bank to cover the lack of the expert who was had by them. Afterwards  carried out the approach that was more again intense against the customer that still  was closed in the Report his efforts activity.  The key word: the role, the Perkreditan Rakyat Bank, micro efforts