Strengthen the internal surveillance system

Oct 13, 2025 by wbrum.org 74 views

Internal Supervision of Fostered Partners Credit at PT Perkebunan Nusantara III (Persero) Medan: A Crucial Factor in Supporting Small Businesses in Indonesia

The Impact of Economic Crisis on Indonesia

The economic crisis that hit Indonesia since 1997 has had a significant impact on various economic sectors. This impact can be seen from the high inflation, increasing unemployment, negative economic growth, and increasing the number of poor people. Not only that, problems in the banking world such as foreign debt that have accumulated and an unstable rupiah exchange rate have caused many businesses to experience bankruptcy. To overcome this prolonged crisis, strategic steps are needed that can provide new hope for the economy, one of which is through the development of small businesses.

The Role of Small and Medium Enterprises (SMEs) in Overcoming Unemployment Problems

Small and Medium Enterprises (UKM) acts as an effective solution in overcoming unemployment problems. According to Nasution et al (1997: 5), SMEs are not only able to create jobs, but also show resilience at times when the crisis. This is because small businesses are often able to survive thanks to the existence of the market that remains for the products and services they offer. Another advantage of UKM is the ability to provide goods and services at affordable prices, which are beneficial for various levels of society, ranging from low to upper middle -income people.

The Importance of Internal Supervision in Fostered Partner Loans

In the context of UKM development, PT Perkebunan Nusantara III (Persero) Medan has an important role through the fostered partner credit program. This program aims to provide financial support to small businesses, so that they can develop and contribute more to the economy. However, good internal supervision is very necessary to ensure that the credit given is on target and used productively.

Effective internal supervision at PT Perkebunan Nusantara III functions to reduce the risk of bad credit. By evaluating the ability of small businesses in managing loans, companies can ensure that the funds distributed are actually used for business development, not for personal gain. This is important to maintain the company's financial stability and provide guarantees to interested parties.

Deeper Analysis of Internal Supervision

Strong internal supervision includes several aspects, including routine audits, monitoring the use of funds, as well as training and coaching for fostered partners. Routine audits are carried out to evaluate compliance with agreed terms and conditions, while monitoring aims to monitor business developments and the use of credit. In addition, training for small businesses is very important so that they can manage businesses and finances well.

This coaching program is not only providing capital, but also the knowledge and skills needed to develop a business. This will have a positive impact not only on business sustainability, but also increase the competitiveness of SMEs in the market.

Benefits of Internal Supervision

The benefits of internal supervision in fostered partner loans at PT Perkebunan Nusantara III (Persero) Medan are numerous. Firstly, it can reduce the risk of bad credit, which can have a negative impact on the company's financial stability. Secondly, it can ensure that the funds distributed are actually used for business development, not for personal gain. Thirdly, it can provide training and coaching for fostered partners, which can improve their managerial and financial capabilities.

Conclusion

Internal supervision of fostered partner loans at PT Perkebunan Nusantara III (Persero) Medan is a crucial factor in supporting the success of small businesses in Indonesia. With proper supervision, the funds distributed will be more effective in helping the target partners to grow and develop. In line with that, increased managerial and financial capabilities for small businesses will strengthen the foundation of the Indonesian economy, especially in difficult times. Therefore, it is important to continue to strengthen the internal surveillance system so that support programs for SMEs can provide optimal results.

Recommendations

Based on the analysis, the following recommendations are made:

Strengthen the internal surveillance system: PT Perkebunan Nusantara III (Persero) Medan should continue to strengthen the internal surveillance system to ensure that the funds distributed are actually used for business development, not for personal gain.
Provide training and coaching for fostered partners: PT Perkebunan Nusantara III (Persero) Medan should provide training and coaching for fostered partners to improve their managerial and financial capabilities.
Monitor business developments and the use of credit: PT Perkebunan Nusantara III (Persero) Medan should monitor business developments and the use of credit to ensure that the funds distributed are actually used for business development, not for personal gain.

By implementing these recommendations, PT Perkebunan Nusantara III (Persero) Medan can ensure that the fostered partner credit program is effective in supporting the success of small businesses in Indonesia.
Frequently Asked Questions (FAQs) about Internal Supervision of Fostered Partners Credit at PT Perkebunan Nusantara III (Persero) Medan

Q: What is internal supervision in the context of fostered partner loans?

A: Internal supervision in the context of fostered partner loans refers to the process of monitoring and evaluating the use of credit by small businesses that have been provided with financial support through the fostered partner credit program.

Q: Why is internal supervision important in fostered partner loans?

A: Internal supervision is important in fostered partner loans because it helps to reduce the risk of bad credit, ensures that the funds distributed are actually used for business development, and provides training and coaching for fostered partners to improve their managerial and financial capabilities.

Q: What are the benefits of internal supervision in fostered partner loans?

A: The benefits of internal supervision in fostered partner loans include reducing the risk of bad credit, ensuring that the funds distributed are actually used for business development, and providing training and coaching for fostered partners to improve their managerial and financial capabilities.

Q: How does internal supervision reduce the risk of bad credit?

A: Internal supervision reduces the risk of bad credit by evaluating the ability of small businesses in managing loans, monitoring business developments and the use of credit, and providing training and coaching for fostered partners to improve their managerial and financial capabilities.

Q: What is the role of routine audits in internal supervision?

A: Routine audits are carried out to evaluate compliance with agreed terms and conditions, and to monitor business developments and the use of credit.

Q: What is the importance of training and coaching for fostered partners?

A: Training and coaching for fostered partners is important because it provides them with the knowledge and skills needed to develop a business, and to manage businesses and finances well.

Q: How does internal supervision impact the competitiveness of SMEs in the market?

A: Internal supervision can increase the competitiveness of SMEs in the market by providing them with the knowledge and skills needed to develop a business, and to manage businesses and finances well.

Q: What are the recommendations for strengthening the internal surveillance system?

A: The recommendations for strengthening the internal surveillance system include providing training and coaching for fostered partners, monitoring business developments and the use of credit, and ensuring that the funds distributed are actually used for business development, not for personal gain.

Q: How can PT Perkebunan Nusantara III (Persero) Medan ensure that the fostered partner credit program is effective in supporting the success of small businesses in Indonesia?

A: PT Perkebunan Nusantara III (Persero) Medan can ensure that the fostered partner credit program is effective in supporting the success of small businesses in Indonesia by implementing the recommendations for strengthening the internal surveillance system, and by providing training and coaching for fostered partners.

Q: What are the potential challenges in implementing internal supervision in fostered partner loans?

A: The potential challenges in implementing internal supervision in fostered partner loans include the need for additional resources, the need for a strong internal surveillance system, and the need for a clear understanding of the goals and objectives of the fostered partner credit program.

Q: How can PT Perkebunan Nusantara III (Persero) Medan overcome the potential challenges in implementing internal supervision in fostered partner loans?

A: PT Perkebunan Nusantara III (Persero) Medan can overcome the potential challenges in implementing internal supervision in fostered partner loans by providing additional resources, establishing a strong internal surveillance system, and ensuring that there is a clear understanding of the goals and objectives of the fostered partner credit program.