PERSEPSI PEREMPUAN PELAKU UMKM DI KECAMATAN PONDOK TINGGI KOTA SUNGAI PENUH TERHADAP PROGRAM INKLUSI KEUANGAN PNM MEKAAR

TAMARA MELATI PUTRI, RONAL REGEN, KARYADI

Abstract

This research is motivated by the fact that there are still many problems related to  women's participation in running MSME businesses, including the high unbankable (not meeting bank loan requirements) caused by the poverty gap, low MSME financing, high microcredit interest rates, lack of MSME management capabilities, and limited financial services distribution channels. For this reason, the PNM Mekaar program is here to help women in MSMEs access capital loans to maximize their businesses. This research seeks to capture the perceptions of beneficiaries regarding the PNM Mekaar program from the aspects of improving financial management, instilling a culture of saving, and entrepreneurial competence and business development. This research method is descriptive qualitative using research respondents of 10 female MSME actors from each village in Pondok Tinggi District and representing each different business sector. The research results show that respondents have a positive perception of the PNM Mekaar financial inclusion program because it opens up access to capital with simple requirements. Apart from that, this program also equips customers with the knowledge to separate personal assets and business assets so that they are able to manage their finances better. This program also helps customers develop the scale of their business and provides material to broaden customers' entrepreneurial insight, for example material on how to access banking services, especially savings account services.