Factors Affecting the Development of Customary Village Credit Institution of Sukawana, Kintamani Sub-District, Bangli District

I Wayan Sudemen; Ni Made Anggriyani

doi:10.22225/sintesa.8.2.1062.111-118

I Wayan Sudemen Faculty of Social Science and Political Science Universitas Warmadewa
Ni Made Anggriyani Faculty of Social Science and Political Science Universitas Warmadewa

DOI: https://doi.org/10.22225/sintesa.8.2.1062.111-118

Keywords: Development, village credit institution

Abstract

Village Credit Institution (Indonesian “Lembaga Pengkreditan Desa” and hereinafter referred to VCI) is a financial institution belonging to Desa Pakraman in Bali. Viewed from the economic potential of the majority population as farmers and ranchers and economic conditions are quite good and growing. The study examines the factors that influence the development of VCI of Customary Village of Sukawana Kintamani Sub-district–Bangli District, Indonesia. The results of this study are expected to be able to be used as a consideration in formulating policy strategies related to VCI development in Indigenous Villages. The research method used is informative determination technique that is based on purposive sampling. Data collection was done by applying in-depth interview method and document. The data were analyzed using qualitative data analysis technique. The results show that the effort done by VCI Management with familial approach and visiting the prospective customer from door to door to get the customer and VCI development during last 2 years are significant both from the amount of deposits and loan amount; the structure of VCI organization is still very simple, not yet able to be filled in accordance with the plan; customary villages play a role in ensuring the sustainability of VCI and participate in resolving the problem of bad loans; and the autonomy of VCI management will become its own power to face the competitors, and utilize the economic potential owned by the villagers.

References

Keputusan Gubernur Kepala Daerah Tingkat I Bali Nomor 972 Tahun 1984 tentang Pendirian Lembaga Perkreditan Desa Di Propinsi Daerah Tingkat I Bali.

Majelis Pembina Lembaga Adat Daerah Tingkat I Bali. 1991/1992. Desa Adat Pusat Pembinaan Kebudayaan Bali. Proyek Pemantapan Lembaga Adat Tersebar di delapan Kabupaten PropinsiI.

Majelis Pembina Lembaga Adat Daerah Tingkat I Bali. 1991/1992. Desa Adat Pusat Pembinaan Kebudayaan Bali. Proyek Pemantapan Lembaga Adat Tersebar di delapan Kabupaten Propinsi.

Peraturan Daerah Propinsi Tingkat I Bali Nomor 06 Tahun 1986, tentang Kedudukan, Fungsi Dan Peranan Desa Adat Sebagai Kesatuan Masyarakat Hukum Adat Daerah Propinsi Daerah ingkat I Bali.

Widnyana, I Made. 1992. “Eksistensi Delik Adat Dalam Pembangunan,” Orasi Pengukuhan Jabatan Guru Besar Tetap Dalam Ilmu Hukum Pidana, Fakultas Hukum Universitas Udayana, Denpasar, 21 Juli

Widnyana, I Made. 2004. Undang-Undang Republik Indonesia No. 32 Tahun 2004 tentang Pemerintahan Daerah. Yogyakarta: Media Grafika Utama.

Perda Propinsi Dati I Bali No. 2 Tahun 1988 Tentang Lembaga Perkreditan Desa.

Undang-Undang Republik Indonesia No. 22 Tahun 1999 Tentang Pemerintahan Daerah.

Perda Propinsi Bali Nomor 3 tahun 2017 tentang Lembaga Perkreditan Desa.