Understanding the Context of UUPKS

Oct 13, 2025 by wbrum.org 101 views

Understanding the Context of UUPKS

Government Regulation Number 21 of 1992 concerning the Implementation of Family Welfare regulates family empowerment through the Family Revenue Improvement Business Group (UPPKS). In this context, prosperous family savings are designed as a tool to encourage cooperation between community members, especially to help underprivileged families in increasing their income. The program also involved cooperation between the office of the State Minister for Population and several banks, including PT Bank Negara Indonesia 1946 and PT Pos Indonesia, which allowed UPPKS groups to access credit with affordable interest and without collateral. However, practice in the field shows a significant problem of default or arrears in credit management.

The Importance of UUPKS in Family Empowerment

The UUPKS program is a crucial initiative in promoting family empowerment and economic growth. By providing access to credit and training, the program aims to help underprivileged families improve their income and living standards. The program's success, however, is hindered by the problem of default and arrears in credit management. This study aims to explore the factors that cause default in the UPPKS groups, the completion patterns taken, as well as the efforts made by the National Family Planning Coordinating Board (BKKBN) Office in Aceh Besar Regency to overcome the problem.

Methodology and Research Approach

This study uses an analytical descriptive research method with a normative and empirical juridical approach. The research involves data collection from five districts in Aceh Besar Regency. The study aims to identify the factors that cause default in credit management by the UPPKS group, the completion patterns taken, and the efforts made by the BKKBN Office to overcome the problem.

Data Collection and Analysis

The data collected from the five districts in Aceh Besar Regency includes information on the number of UPPKS groups, the amount of credit disbursed, and the number of default cases. The data was analyzed using descriptive statistics to identify the patterns and trends in default cases.

Factors Contributing to Default in UPPKS Groups

The study found that the factors contributing to default in UPPKS groups include prolonged economic crisis, credit abuse, and inability to manage business. For example, many groups who previously run businesses such as sewing, making cakes, or producing chips are now having difficulty operating due to decreased purchasing power of the community.

Impact of Economic Crisis on UPPKS Groups

The prolonged economic crisis has had a significant impact on UPPKS groups, leading to a decrease in purchasing power and a reduction in income. This has made it difficult for groups to repay their loans, resulting in default cases.

Settlement Steps Taken by Banks

In facing default cases, the banks have taken several settlement steps, including sending written warning letters, credit time extension, rescheduling debt installments, and reduction or deletion of interest. There are two forms of default that are identified in the field, namely not fulfilling obligations at all and late in fulfilling obligations.

Efforts Made by BKKBN to Overcome Default Cases

The BKKBN has also tried to do various solutions to overcome this arrears problem. Among other things, they carry out an inventory of the existence of groups, trace the causes of arrears, conduct integrated guidance and supervision, and provide input to the Central BKKBN to continue the disbursement of Dana Kukesra to groups that have been jammed.

Challenges Faced by BKKBN

Despite the efforts made by BKKBN, security issues in Nanggroe Aceh Darussalam and Aceh Besar Regency remain a major challenge that contributes to credit arrears. The security issues have made it difficult for groups to operate and repay their loans, resulting in default cases.

Recommendations for Overcoming Default Cases

Based on the findings of this study, it is recommended that providing credit to business groups be accompanied by credit guarantees. This will not only provide a sense of responsibility to the debtors, but also help in suppressing the level of default that may occur in the future. Through a more structured and systematic approach, it is hoped that the UPPKS program can achieve the objectives of the family economic empowerment in a sustainable manner.

Conclusion

In conclusion, this study has identified the factors contributing to default in UPPKS groups, the settlement steps taken by banks, and the efforts made by BKKBN to overcome default cases. The study recommends that providing credit to business groups be accompanied by credit guarantees to suppress the level of default that may occur in the future. Through a more structured and systematic approach, it is hoped that the UPPKS program can achieve the objectives of the family economic empowerment in a sustainable manner.

Q1: What is the main objective of the UUPKS program?

A1: The main objective of the UUPKS program is to promote family empowerment and economic growth by providing access to credit and training to underprivileged families.

Q2: What are the factors contributing to default in UPPKS groups?

A2: The factors contributing to default in UPPKS groups include prolonged economic crisis, credit abuse, and inability to manage business.

Q3: What are the settlement steps taken by banks in case of default?

A3: The settlement steps taken by banks in case of default include sending written warning letters, credit time extension, rescheduling debt installments, and reduction or deletion of interest.

Q4: What are the efforts made by BKKBN to overcome default cases?

A4: The BKKBN has tried to do various solutions to overcome this arrears problem, including carrying out an inventory of the existence of groups, tracing the causes of arrears, conducting integrated guidance and supervision, and providing input to the Central BKKBN to continue the disbursement of Dana Kukesra to groups that have been jammed.

Q5: What are the challenges faced by BKKBN in overcoming default cases?

A5: Despite the efforts made by BKKBN, security issues in Nanggroe Aceh Darussalam and Aceh Besar Regency remain a major challenge that contributes to credit arrears.

Q6: What is the recommendation for overcoming default cases?

A6: The recommendation is that providing credit to business groups be accompanied by credit guarantees to suppress the level of default that may occur in the future.

Q7: How can the UPPKS program achieve its objectives in a sustainable manner?

A7: Through a more structured and systematic approach, it is hoped that the UPPKS program can achieve the objectives of the family economic empowerment in a sustainable manner.

Q8: What is the role of the government in promoting family empowerment and economic growth?

A8: The government plays a crucial role in promoting family empowerment and economic growth by providing policies and programs that support the development of underprivileged families.

Q9: How can the UPPKS program be improved to reduce default cases?

A9: The UPPKS program can be improved by providing more training and guidance to groups, increasing the availability of credit, and implementing more effective monitoring and evaluation systems.

Q10: What is the future of the UPPKS program?

A10: The future of the UPPKS program is promising, with the potential to achieve its objectives in a sustainable manner and promote family empowerment and economic growth in underprivileged communities.

Q11: How can individuals and organizations support the UPPKS program?

A11: Individuals and organizations can support the UPPKS program by providing financial support, volunteering their time and expertise, and spreading awareness about the program's objectives and benefits.

Q12: What are the benefits of the UPPKS program for underprivileged families?

A12: The benefits of the UPPKS program for underprivileged families include access to credit, training, and guidance, which can help them improve their income and living standards.

Q13: How can the UPPKS program be replicated in other regions?

A13: The UPPKS program can be replicated in other regions by adapting the program's design and implementation to the local context and needs.

Q14: What are the challenges of replicating the UPPKS program in other regions?

A14: The challenges of replicating the UPPKS program in other regions include adapting the program's design and implementation to the local context and needs, securing funding and resources, and building partnerships with local stakeholders.

Q15: How can the UPPKS program be evaluated and assessed?

A15: The UPPKS program can be evaluated and assessed using a range of methods, including surveys, focus groups, and case studies, to measure its impact and effectiveness.