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Microcredit program has been widely adopted by some coutries to enhance low-end enterprieses which is also a part of anti-poverty program. However, the implementation of microcredit distribution has been criticized for its high number of bad credit cases and lessoptimacy in decreasing the poverty. Those problems have attracted researchers’ interest to investigate the ideal management model for microcredit program to decrease poverty cases of the members. This case-study shows that Mitra Manindo Copperative in North Sumatera has successfully decreased the poverty faced by the members through the application of the joint and several liability system (JSL). This JSL model successfully enhance the social power shared among the members by grouping method. Institutional dynamicity of the JSL application has also grown trusts among the members which appeared to be the main input to enhance the social cohesion and social capital. Strong social capital has diseminated various values that enhance the productivity of the members’ enterprises. The result of this study can be used as the proliferation in constructing ideal management procedures to apply in microcredit programs by loan providers in order to efficiently and effectively increase members’ earnings.

russian journal of agricultural and socio-economic sciences

THE CONCEPTUAL MANAGEMENT FRAMEWORK OF MICROCREDIT PROVIDERS FOR ANTI-POVERTY PROGRAMS: A STUDY ON JOINT AND SEVERAL LIABILITY APPLIED IN MITRA MANINDO COOPERATIVE, NORTH SUMATERA, INDONESIA