DOI of the published preprint https://doi.org/10.31764/jiap.v14i1.37103
Village Owned Enterprise (BUMDes) Strategy for Developing Savings and Loan Programs for the Community of Dukuhsari Village, Jabon District, Sidoarjo
Strategi Bumdes Dalam Pengembangan Program Simpan Pinjam Bagi Masyarakat Desa Dukuhsari Kecamatan Jabon Sidoarjo
DOI:
https://doi.org/10.21070/ups.12482Keywords:
Strategy , BUMDes, Savings and LoanAbstract
This study examines the management strategy of the Savings and Loan Program at BUMDes Subur Makmur, Dukuhsari Village, Jabon District, Sidoarjo, using Kotten's strategic framework (in Salusu, 2008), covering corporate, program, resource support, and institutional strategies. A qualitative descriptive approach was used, drawing on interviews, observations, and document review involving BUMDes administrators and village officials. Results show all four strategic dimensions are present but not fully optimized. The organizational structure is defined, yet task division and written SOPs are absent. Despite an appealing design low monthly interest of 1–1.5% and a door-to-door service model—program planning and evaluation remain unsystematic, and client numbers stay low. Human and financial resources are limited, while village regulations and legal entity status are still pending. The program benefits the community overall, but stronger legal standing, more personnel, formal SOPs, digital systems, and sustained outreach are needed for greater effectiveness.
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