The Role of National Civil Finance (PNM) Mekaar in Distributing Financing to Increase Income in Stone Plate Breaker UMKM

Abstract

This study aims to determine and analyze the role of National Capital Madani (PNM) Mekaar in distributing financing to MSMEs that break stone plates and its impact on increasing the income of business actors. This study uses a qualitative approach with a case study method. This approach was chosen because the study aims to understand in depth how PNM (National Capital Madani) Mekar plays a role in distributing financing and its influence on increasing the income of MSMEs that break stone plates. The case study method allows for detailed and contextual exploration of phenomena that occur in the field. The data collected were analyzed using thematic methods. The study's results show that the National Capital Madani (PNM) Mekaar program is important for helping small businesses that break stone plates in Jelbuk District earn more money by providing loans without collateral and offering support like financial training and business development. Positive impacts can be seen from increased income, production efficiency, and the growth of entrepreneurial spirit. Socialization carried out directly to residents' homes is also considered effective in reaching people who have not been touched by formal financial services. In order for this program to be more optimal, it is recommended to increase the intensity of mentoring, especially in digital literacy and online marketing; provide flexible installment schemes; collaborate with digital platforms to expand market access; and conduct regular evaluations of training and mentoring to better suit the needs of MSME plate-breaking stone actors.