Exploration of Factors Affecting Loan Repayment of Indonesian Village Financial Institutions in Women's Groups Loan

taufik raharjo; Adler Haymans Manurung; Roy Sembel; Retno Yuliati

doi:10.24127/akuisisi.v20i2.2418

Exploration of Factors Affecting Loan Repayment of Indonesian Village Financial Institutions in Women's Groups Loan

taufik raharjo, Adler Haymans Manurung, Roy Sembel, Retno Yuliati

Abstract

This research explores factors that can affect loan repayment of Indonesian Village Financial Institutions in Women Group Lending as a Case Study at Serang Regency. This research uses a qualitative approach by analyzing in-depth interviews with two BUMDesma Directors and Focus Group Discussion with 21 BUMDesma debtors. BUMDesma directors as informants is the BUMDesma director of the BUMDesma of Ciruas and Padarincang sub-districts as chairman and secretary of the BUMDesma association in Serang districts. FGD members are 21 leaders of women group lending as BUMDesma debtors from several sub-districts. Based on the analysis, two important aspects determine the development of BUMDesma Loan Repayment in Serang Regency as a Women's Group Lending Model: the Professionalism of BUMDesma management and the Commitment of BUMDesma debtors.

Keywords

Loan Repayment, Village Financial Institutions, Microfianance, Microcredit, Women Group Lending.

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DOI: 10.24127/akuisisi.v20i2.2418

DOI (PDF): https://doi.org/10.24127/akuisisi.v20i2.2418.g747