EVALUASI PEMBERIAN KREDIT PT. PROGRAM PNM MELALUI MEKAAR UNTUK KESEJAHTERAAN UMKM DI DESA MADE KECAMATAN SAMBIKEREP SURABAYA

EVALUATION OF PT. PNM CREDIT PROVISION THROUGH MEKAAR FOR UMKM WELFARE IN MADE VILLAGE, SAMBIKEREP DISTRICT, SURABAYA

Penelitian ini bertujuan untuk mengevaluasi pemberian kredit oleh PT. Permodalan Nasional Madani (PNM) melalui program Mekaar terhadap kesejahteraan UMKM di Desa Made, Kecamatan Sambikerep, Surabaya. Penelitian menggunakan pendekatan kualitatif dengan analisis prinsip 5C (Character, Capacity, Capital, Collateral, Condition) untuk menilai efektivitas program dalam memberdayakan UMKM. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa pemberian kredit Mekaar secara signifikan meningkatkan pendapatan, alokasi modal, serta pengelolaan usaha UMKM. Namun, terdapat beberapa kendala dalam implementasi prinsip 5C, khususnya pada aspek jaminan (collateral) dan kondisi eksternal usaha. Secara keseluruhan, program Mekaar dinilai efektif dalam meningkatkan kesejahteraan ekonomi pelaku UMKM di wilayah penelitian.

This study aims to evaluate the provision of credit by PT Permodalan Nasional Madani (PNM) through the Mekaar program on the welfare of MSMEs in Made Village, Sambikerep District, Surabaya. The research uses a qualitative approach with an analysis of the 5C principles (Character, Capacity, Capital, Collateral, Condition) to assess the effectiveness of the program in empowering MSMEs. Data was collected through in-depth interviews, observation, and documentation. The results showed that the provision of Mekaar credit significantly increased the income, capital allocation, and business management of MSMEs. However, there are several obstacles in the implementation of the 5C principles, especially in the aspects of collateral and external business conditions. Overall, the Mekaar program is considered effective in improving the economic welfare of MSME actors in the research area.