Electronic Theses and Dissertation

Akses terhadap permodalan masih menjadi tantangan utama bagi pelaku usaha mikro di kota banda aceh, khususnya di tingkat gampong. keterbatasan ini mendorong sebagian pelaku usaha untuk bergantung pada lembaga keuangan nonformal yang kerap memberatkan. berangkat dari permasalahan tersebut, pemerintah kota banda aceh menggagas program dana bergulir gampong yang dikelola oleh lkms mahirah muamalah sebagai upaya mendorong pemberdayaan ekonomi pelaku usaha melalui penyediaan akses pembiayaan yang mudah, terjangkau, dan sesuai prinsip syariah. penelitian ini bertujuan untuk mengevaluasi pelaksanaan program tersebut serta mengidentifikasi hambatan yang dihadapi dalam pelaksanaannya. penelitian menggunakan teori evaluasi program model cipp yang dikembangkan oleh daniel stufflebeam. penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif untuk menganalisis pelaksanaan program dana bergulir gampong dari perspektif pengelola, pemerintah dan pelaku usaha. hasil penelitian menunjukkan bahwa program dana bergulir gampong telah memberikan dampak yang cukup positif meskipun belum sepenuhnya merata. program ini berhasil menjaga keberlangsungan dana bergulir, meningkatkan akses pembiayaan bagi pelaku usaha mikro, mendorong pertumbuhan usaha penerima manfaat, serta memberikan manfaat ekonomi bagi pemerintah gampong dan pemerintah kota banda aceh sekaligus berkontribusi terhadap peningkatan inklusi keuangan. namun, hambatan seperti persaingan dengan lembaga keuangan lain, rendahnya literasi syariah, keterbatasan sumber daya manusia, minimnya sosialisasi, dan kurangnya dukungan sebagian pemerintah gampong menyebabkan dampak program belum merata. penelitian ini menyimpulkan bahwa pelaksanaan program dana bergulir gampong telah memberikan kontribusi terhadap pemberdayaan ekonomi pelaku usaha, meskipun terdapat hambatan dalam pelaksanaannya sehingga efektivitasnya masih perlu ditingkatkan agar manfaat program dapat dirasakan secara lebih merata. oleh karena itu, diperlukan penguatan kapasitas pengelola, peningkatan sosialisasi, dan koordinasi yang lebih intensif antarpihak agar pemberdayaan ekonomi pelaku usaha dapat dirasakan secara lebih menyeluruh. kata kunci: evaluasi program, dana bergulir, pemberdayaan, pelaku usaha.

Access to capital remains a major challenge for micro entrepreneurs in Banda Aceh, particularly at the village level. These limitations have led some entrepreneurs to rely on informal financial institutions, which often impose onerous conditions. In response to this issue, the Banda Aceh City Government launched the Gampong Revolving Fund Program, managed by LKMS Mahirah Muamalah, as an effort to promote the economic empowerment of entrepreneurs by providing easy, affordable, and Sharia-compliant access to financing. This study aims to evaluate the implementation of the program and identify the obstacles encountered during its implementation. The study employs the CIPP program evaluation theory developed by Daniel Stufflebeam. This research uses a qualitative method with a descriptive approach to analyze the implementation of the Village Revolving Fund Program from the perspectives of program managers, the government and entrepreneurs. The results indicate that the Village Revolving Fund Program has had a fairly positive impact, although it has not yet been fully equitable. This program has succeeded in maintaining the sustainability of the revolving fund, increasing access to financing for micro entrepreneurs, fostering the growth of beneficiary businesses, and providing economic benefits to both the village government and the Banda Aceh City Government, while also contributing to increased financial inclusion. However, obstacles such as competition with other financial institutions, low Sharia literacy, limited human resources, insufficient outreach, and a lack of support from some village governments have resulted in the program’s impact not being evenly distributed. This study concludes that the implementation of the Gampong Revolving Fund Program has contributed to the economic empowerment of business owners, although there have been obstacles in its implementation; therefore, its effectiveness still needs to be improved so that the benefits of the program can be felt more evenly. Therefore, it is necessary to strengthen the capacity of program managers, increase outreach efforts, and enhance coordination among stakeholders so that the economic empowerment of business owners can be felt more comprehensively. Keywords: Program Evaluation, Revolving Fund, Empowerment, Entrepreneurs.