Evaluasi sistem penyaluran recovery fund pada badan layanan umum micro finance Disperindagkop dan UKM Sragen

Oleh :
Vidy Dafita Kusumazheni - F3304192 - Fak. Ekonomi dan Bisnis

ABSTRAK Egency. It is performed to strenMicro Finance Public Service is a program proposed by Dinas Indagkop and UKM in Sragen Rgthen this department’s capital services program for Micro, small, and middle enterprises. It is also supports cooperatives, micro institution finances and joint ventures. This strengthen effort is distributed by distributing the recovery fund through the debts or credits. In this process, some problems are identified, namely the related functionaries who still do official duty and the ease of credit application which make money flow getting stuck. Therefore evaluations are needed to overcome those problems. The researcher has made a comparison between Standard Operational Procedure Micro Finance Public Services with the implementation of Micro Finance Public Services to assess the program. This comparison is based on the assessor of the element systems, those are the related functionaries, the procedure of net working systems, the documents, the journals and the reports. The result of the evaluation shows that the distribution system of recovery fund has not been appropriate with Standard Operational Procedure Micro Finance Public Services. The incompatibilities are: the assessment of the related functionaries, for instance credit administration officers take over the job of credit analysis officers. The procedure net working that forms the system has not been compatible with the Standard Operational Procedure Micro Finance Public Services. Whereas, the documents, journals, and reports has been appropriate with the Operational Procedure Micro Finance Public Services. The researcher proposes these suggestions, namely every functionaries should only do their job description, Micro Finance Public Services has to become an independent institution, the director should take a role in the credit application, the procedures should be done based on Standard Operational Procedure Micro Finance Public Services, the documents should be arranged well and should have the duplicates and the cash flow should be recorded in the journal.