Provision of Public Services in Supporting the Development of Community Entrepreneurship Through Bantuan Usaha Tanpa Modal Bunga (BAMUDA) in Hulu Sungai Tengah (HST) Regency

This study analyzes Bantuan Usaha Tanpa Modal Bunga (BAMUDA) Program implemented by the Hulu Sungai Tengah (HST) Regency Government, which aims to increase community access to business capital without the burden of interest-based loans. This program is designed to address the main obstacle faced by Usaha Mikro, Kecil, dan Menengah (UMKM): high loan interest rates that burden businesses and hinder growth. This study focuses on the implementation of public services through the BAMUDA program and its role in supporting the development of community entrepreneurship in the region. The method used in this study is a qualitative descriptive-analytical approach, with data collection through in-depth interviews, observations, and documentation studies. This study involved local government and UMKM as research subjects. The research findings indicate that the BAMUDA program has a positive impact on UMKM, particularly in increasing production capacity, improving product quality, and expanding market reach. The ease of the loan application process and the elimination of loan interest help UMKM reduce their financial burden and increase their business competitiveness. However, there are challenges in program implementation, including the requirement that UMKM have no active bank loans and the limited funding ceiling and short repayment period. This study recommends making BAMUDA's policy more flexible by revisiting participation requirements to enhance inclusiveness. Furthermore, it suggests extending the financing period, increasing the funding ceiling, and leveraging digital technology to expedite the service process. Regular policy evaluation and increased mentoring for UMKM are also considered crucial to maintain the program's sustainability and ensure more inclusive and sustainable business development in the future.