UPAYA PT BPR NUSUMMA TEBUIRENG DALAM MENINGKATKAN PENDAPATAN MASYARAKAT DI DESA CUKIR KECAMATAN DIWEK KABUPATEN JOMBANG

Abstract

PT. BPR NUSuMMA TEBUIRENG is one of BPR in Indonesiawhich is heal by the central committee of Nahdlatul Ulama (PBNU) in June, 1^st 1990. IUn the operationality, this bank still uses conventional system, not syariah principle. One of the product of the bank is giving credit. It is given mainly to the trader / seller and farmers in the rural area, specifically to try increasing the income of society in Cukir. This phenomena supports the observer / writer to make observation about the effort of BPR in rural economical development held by government. This observation is field observation untitled “THE EFFORT of BPR NUSUMMA TEBUIRENG in creasing the income of society in Cukir Diwek Jombang in 205 – 2007”.

Nevertheless, the data can not be left, because the data is used as a basic theory of observation. Meanwhile, the population of observation is 99 costumers in 2006 and 24 costumers in 2007 coming from Cukir. In this observation, the observer uses deductive view. It goes from common theory then implemented in specific thing. N this case, this theory is implemented to see the effort of PT BPR NUSUMMA TEBUIRENG in increasing the income of society in Cukir. Meanwhile, the method f analysis used descriptive method. It describes what the PT BPR NUSUMMA TEBUIRENG does in giving capital loan to the costumer from Cukir in increasing their jobs whether sellers or farmer. According to the data result got by the observer. As written in list about costumer capital before and after getting loan or credit. In fact, it shows that there is increasing so that they feel benefit or advantage through the loan. In this case, PT BPR NUSUMMA TEBUIRENG has done an effort to the debitor before and after credit those are survey and motivation about the benefit of saving money and also picking up system to the costumer. Both of them as a debitor or creditor don’t need to come to the office but the bank do to their house. This program is very effective for the customer whether sellers or farmers with low income and weak economics coming from society in Cukir.

Key words : People credit bank, Conventional income, Economic, Development