An Impact Study Of Rural Credit Bank Existence Towards Micro And Small Businesses In Padang City

Rural credit bank is finance institution declared to serve the banking service requirement for low public economic in micro and small businesses in Indonesia. This research is aimed to know about impact of Rural credit bank existence towards small and micro business in Padang City and to see how a prospect of rural banks in future in order to develop micro and small business in Padang City. A problematic came up in the paper research verily first how far is an impact of rural credit bank existence towards micro and small business in Padang city Second How a prospect of rural credit bank as to promote business doers of micro and small business in Padang city. Respondents in the research were 30 doers of individual business in the sector of micro and small enterprises located in simpang haru market alai market and raya market of Padang city. Whereas the premier data used in this research were gotten the research questioner instruments and conducted some interviews with directors of rural banks operated in Padang city. Results of the study firstly there has positive impact of productions purchases and incomes sectors consistently. Generally the average increase incomes in business relating to credit ability around 25 to 40 secondly the credit lent by rural credit bank displays successful in aiding the business existence of micro and small business thirdly a credit program given to micro and small business in Padang city has succeeded to support a great number of poor people moving on the poor public rate fourthly the strength ability displayed by micro and small business in economic crisis era and national and regional government support policies has developed drastically. The research gives a recommendation that existence impact of rural credit bank could be positive impact for all public levels. So it is very expected that first rural banks behaves the positive respond about clientcustomers requirements. Second increase continually efficient organizer. Third low Porto folio credit as well as make flexible every requirements. An original contribution for the research paper could add the new perspective about practicing principle for micro finance institution