This research is motivated by the success achieved by BUM Desa Mekar Sari Rambah Baru village in winning an award certificate as BUM Desa which is free from savings and loan arrears since it started from UED-SP in 2010 to become BUM Desa. The award certificate was received by BUM Desa Mekar Sari on January 27, 2016 in the annual accountability meeting of BUM Desa Mekar Sari. This is certainly …