Department of Cooperatives and UMKM BandungWest Java, launched the program Clean Village of Moneylenders (KBR) in the Mayang Sunda region, Bandung City.
This activity aims to overcome the problem of community dependence on loan sharks and online loans (pinjol), which is increasing
unsettling. This program also provides concrete solutions for improving the economy and social welfare.
Bandung City Economy and Development Assistant, Eric Mohamad Atthauriq, Wednesday (11/12) said that currently the community is dependent
against loan sharks and illegal loans in the city of Bandung, has become
a real threat to many families. Based on initial findings, more than 60% of residents are forced to rely on loan sharks to meet their daily needs or business capital, with very high and suffocating interest rates.
As a result, many families lost valuable assets and experienced mental stress due to threats and intimidation from lenders. The impact also spread to a reduced spirit of mutual cooperation and increased social tension in society.
“The Moneylender Clean Village Program is here to provide alternatives and hope for people trapped in a cycle of debt. “With a participatory approach, KBR prioritizes community education and empowerment through various activities such as socialization, self-development training, group management, financial literacy, and entrepreneurship,” said Eric.
According to him, the community is encouraged to have collective awareness in fighting loan shark practices and building sustainable economic independence.
Over the past two years, KBR has succeeded in forming 6 groups in six areas of Bandung City, namely Ujungberung, Sukajadi, Bojongloa Kaler, Cicendo, Cinambo and Regol. As a result, participants’ dependence on loan sharks decreased significantly, from 63% to only 10%.
“In addition, collective awareness to fight loan shark practices increased rapidly, from 33% to 85%. “The participants also started to develop local economic potential by creating 8 superior products that can be marketed together,” said Eric.
He added, in this program, participants are not only taught how to manage finances and effective business strategies, but are also given access to legal financial institutions. Their understanding is related
financial management increased from 30% to 90% and understanding of how to formulate a good business strategy increased from 28% to 89%.
“In addition, participants experienced significant benefits with 94% of participants reporting an increase in their knowledge and skills. As many as 29% felt the benefits of expanding their network and 25% felt an increase in productivity. “As many as 48% of participants also felt a change in mindset, while 28% felt the quality of their products had improved,” explained Eric.
Eric continued that the KBR program was not without challenges. One of the main obstacles was the lack of public trust at the start of the program and limited market access.
However, thanks to intensive assistance and support from various stakeholders, these obstacles can slowly be overcome. KBR groups are also given the opportunity to take part in various bazaars and exhibitions which enable them to introduce their products and build wider business networks.
With enthusiasm continuing to grow, he continued, the Department of Cooperatives and MSMEs plans to expand the reach of this program to other areas in the city of Bandung. “Let’s make it happen together
a more independent and prosperous future, far from the debt bondage of loan sharks and loan sharks,” said Eric.
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