THE EFFECT OF PEMDES MICRO-LOANS THROUGH BUMDES ON THE WELFARE OF POOR HOUSEHOLDS

Abstract

Awayan and Halong sub-districts are the largest contributors to the poor in Balangan Regency based on the number of heads of families receiving micro-loans from the village government. Meanwhile, the study of the effect of PEMDES credit on community welfare is still contradictory. This study aims to examine and analyze the effect of PEMDES micro-loans through BUMDes on the welfare of the people in Balangan Regency, especially in Awayan and Halong Districts. This research is a quantitative research, namely research using statistical methods with associative techniques. Data analysis was performed using Microsoft Excel and SPSS 21.0 programs. This data analysis resulted in inferential statistics, multiple linear regression, analysis prerequisite test, and hypothesis testing. Based on research resultsIt can be concluded that there is an effect of PEMDES micro-loans through BUMDES on the welfare of poor households in Awayan and Halong Districts, Balangan Regency. This means that with the village government's micro-loan program channeled through BUMDES, it is able to improve the welfare of poor households.