Arrears in 2013 amounted to 38 % less than arrears in 2014 amounted to 52% . This is a number that is large enough for the National Program for Community Empowerment Urban considering those funds continue in effect on society. If the delinquency is often the case then this will have a negative impact for the National Program for Community Empowerment Urban itself .
The National Program for Community Empowerment Urban ( PNPM_MP ) also requires its officers to be able to cope with the occurrence of arrears that could disrupt the cycle of revolving the revolving fund of the National Program for Community Empowerment in Urban tuhun years later to the public . If it has already occurrence of arrears , it is required to solve the problem in a quick and precise , so that the process is not stopped revolving fund for the region proficiency level .
This study aims to investigate the implementation of a revolving loan PNPM Mandiri urban communities in the city sigli, problems and obstacles encountered in the implementation of revolving loans and revolving loan effectiveness and its impact on society. This study is a descriptive study with a qualitative approach. Data collection methods used in the form of non-participant observation, interviews and documentation. The data analysis was conducted with data reduction, data presentation and conclusion.
Results of this study concluded that: (1) The revolving loan of the National Program for Community Empowerment in the urban community in the town sigli been running pretty well. Starting with the dissemination of this revolving loan program that has been made by all parties. In this loan was filed, the public had no difficulty in fulfilling all of the requirements. People considered quite capable of allocating the loans they get to the needs of its business, although not entirely the funds allocated for their efforts, but also to meet their needs more, (2) The problems faced by Self-Help Groups economy tends to be problems in the Agency Self-Reliance Society today, which is associated with the repayment of the loan stalled until it reaches 23%. The emergence of problems at KSM can be caused by two factors, namely internal factors and external factors. Breakdown of loan repayment can also be caused by the lack kompakan members within a group of Governmental because of the background financial condition and necessities of life are different, (3) The revolving loan National Program for Community Empowerment urban areas for people in cities siglli in poverty alleviation is enough an impact that is quite good for the community.
People have become able to increase productivity in their business so that helped increase their income as well. With rising incomes, increasing the welfare of their families also participated. But with still many people that still need to be met, the effectiveness of the impact of the results that can be felt from the revolving loan has not been able to reach the stage of increasing community-owned savings sigli city in general.