Pengaruh Penerapan Sanksi Terhadap Pengembalian Kredit Macet Pada Lembaga Keuangan Mikro Agribisnis (LKMA) Di Kabupaten Pesisir Selatan

Micro credit is a loan that intended for the poor to continue their business. Since 2008, Government has distributed micro assistance through Rural Agribusiness DevelopmentProgram (PUAP) which managed by Microfinance Institution (LKMA). In theimplementation of this credit, there are still many bad loans. This study aims determine effectof application sanctions on repayment at MicrofinanceInstitution (LKMA) in Pesisir Selatan Regency. The object research LKMA PesisirSelatan Regency was founded 2011 - 2015 as 70 LKMA. Evaluation effect ofsanctions returns carried out using Propensity Score Matching (PSM) methodbased factors significantly influence LKMA's decision apply sanctions. thatsignificantly decisions obtained from results logistic regression.Furthermore, matching done Nearest Neighbor (NNM) method. Outcomethat compared amount arrears and length credit. show thatsanctions have positive repayments seen side ofarrears because longer farmers arrears, greater imposed, so thatfarmers will seek repay faster time. Meanwhile, terms arrears,sanctions do not significant debts