STRATEGI INOVASI MENGATASI KREDIT BERMASALAH PADA USAHA EKONOMI KELURAHAN SIMPAN PINJAM (UEK-SP) LABUH BARU TIMUR (LBT) SEJAHTERA KOTA PEKANBARU

Abstract

This research conducted on Economic Business Urban Village
Savings-Loans (UEK-SP) and The purpose of this research was to analyze what
factors cause loan arrears (problem loans) in UEK-SP LBT Sejahtera and
formulate a strategy that able to overcome the problem loans.
This research uses a qualitative method. Research location in UEK-SP LBT
Sejahtera. Determination of the sample using census method with all members of
the population as the subject studied were as many as 67 sources. Methods of data
collection in this study include questionnaires, interviews, and observation. Data
analysis method used was SWOT.
The result of the research shows that the factors that cause problem loans in
UEK-SP LBT Sejahtera were guidance, monitoring and evaluation to the lesser
beneficiaries, and strategies that able to overcome problem loans at UEK-SP LBT
Sejahtera by optimizing the guidance and supervision to the user , legal experts to
be added, and visit the benefactor directly when it starts to happen late pay.