Research has been carried out on the physical interaction using a semisolid base with local natural ingredients from the test results of the HPMC colloid system with 2% HPMC concentration because it produces stable HPMC colloids and HPMC colloids with gelam leaf essential oil using the FTIR tool. HPMC colloid preparation wave with gelam leaf essential oil colloid can enter the HPMC colloid system wave area. The microscopy of the colloid globule system can be seen with a digital microscope focus and there is an interaction between the HPMC colloid globule system and the HPMC colloid system with gelam leaf essential oil and at the 2% concentration see it by looking at the globules gel using a digital microscope. @2020 Published by UP2M, Faculty of Mathematics and Natural Sciences, Sriwijaya University Kata Kunci: Sedian koloid HPMC; Sedian koloid HPMC dengan minyak atsiri; Fourier Transform Infrared (FTIR) ABSTRAK: Telah dilakukan penelitian tentang interaksi fisika menggunakan basis sedian semi solid dengan bahan alam lokal dari hasil pengujian sistem koloid HPMC dengan minyak astiri dengan kosentrasi HPMC 2% karena di hasilkan sedian koloid HPMC yang stabil dan sedian koloid HPMC dengan minyak astiri daun gelam menggunakan alat FTIR hasilnya wilaya gelombang sediaan koloid HPMC dengan sedian koloid minyak astiri daun gelam bisa masuk kedalam wilaya gelombang sisitem koloid HPMC tersebut . Mikroskopik dari globul sistem koloidnya dapat dilihat dengan focusing digital microscopy dan terjadi interaksi antara globul sistem koloid HPMC dan sistem koloid HPMC dengan minyak astiri daun gelam dan pada kosentrasi 2 % lihat dengan gel melihat globul-globul mengunakan miskroskop digital.

The Community Empowerment Trust Fund is a revolving fund belonging to the community originating from the former Sub-District Development Program and the National Program for Independent Rural Community Empowerment in Indonesia which ended in 2014. Community institutions then manage the Community Empowerment Trust Fund to fund community economic activities in the form of group loans. The group lending model is a financial inclusion that reaches the poor who do not have collateral. These funds have been managed well with the group loan model. However, the success of managing these funds cannot be separated from the social capital built between group members and between the group and the fund management unit. This study aims to examine the management of the borrower group – group internal setting; group loan appraisal and group loan control – and social capital on repayment performance. The study results prove that group lending appraisal, group lending control, and social capital positively impact repayment capacity. The research finding is social capital strengthens group lending control dynamics to increase repayment capacity. Another finding explains that women’s loan groups have a higher collectability rate in repayment of loans compared to productive economic business groups whose members are both male and female.