Hubungan Sosial antara Rentenir dan Nasabah di Kota Tebing Tinggi

Abstract

Financial service providers apart from banks, there are also independent capital providers who are often called loan sharks, which is a type of work that is involved in providing funds owned by individuals in the form of loans or credit. In this case, many traders often use funds from moneylenders rather than conventional banks. There are three objectives in this research, namely (1) to find out the motives underlying loan sharks in carrying out their fund distribution activities. (2) Source of funds used by loan sharks. (3) Know the mechanism for distributing loans provided by loan sharks and what conditions the loan sharks provide to their credit recipients. The research method used is qualitative descriptive research which aims to accurately describe, among other things, a certain situation, symptom or group, or the cause of a symptom or the frequency of a certain relationship between a symptom and other symptoms in society. The data analysis used is descriptive quantitative analysis, namely analysis in the form of sentence descriptions based on graphic numbers and existing tables.The results of this research state that the profit motive is the basis of the loan shark business, even though the risks borne are quite large. Environmental motives support a loan shark's decisions. There are third parties, whether individuals or work groups, who introduce the loan shark business system. Social interaction is one of the feasibility analyzes carried out by loan sharks. The moneylender looks at the status of each prospective customer. Status here can be in the form of ownership of stalls in the market area and also employment status. The stronger the status in society, the greater the funds the moneylenders dare to give to their prospective customers. Moneylenders also see the character of their customers from the intensity of meetings between the moneylender and their customers. With this feasibility analysis, it is proven that moneylenders also adopt the systems used by conventional banks, although not all bank systems are adopted. They use this to minimize the level of losses they will incur. It is not uncommon for moneylenders to also lose money because their customers cannot pay off their debts.