ABSTRACT The prosperity level of the villages can not be stand a from by natural conditions, behaviors, and socio culture, undereducated and having little amount of capitals. The last mentioned factor (a little amount of capitals) is one of general characteristic in the rural people. Meanwhile, capitals is the most important elements to increase productions and income level, and also the people's quality ofliving In case to prove less capital in the rural, the credit has been generally used as one better component in helping them. According to the assumption tell us that giving some credits can increase the rural income and also job opportunity. A Bankers is the institution which have duty in gathering money and lending credits to the rural people. This will tum to the highly transaction cost which must be paid by banks. As far there were a financial institution operating in the rural, it prefers to reach the higher economic level of the rural's peole. In order to get more advantages of the opportunity we need some reguirements so that poor people ofthe rural can also get a chance in having amount of capitals which offered by the legal financial institution. In expedient to expand attainable of the credits facility to the poor rural people, so it is important considering institutions and the design of the effective credit for the rurals. Wheter by the credit institution is expected to reach the poor groups in the rural, which is trudy need the increasing of capital which can not reached by the governments formal credit programme. Nowadays there has been a lot of NGO's (Non Government Organizations) developing micro credit system. Wheter the developing mechanism is more variety, from revolving fund up to the formal Mahir R. Pakpahan : Proses dan Peranan Credit Union dalam Meningkatkan Kesejahteraan Masyarakat Pedesaan..., 2002.

models, is by establishing the People Credits Bank called BPR. We all know if Indonesia is consist of any kind culture with it's different characteristics so that the succes of rural credit institution in any district of Indonesia can not be generate. So the key to make a succesful credit institution is the management that adapted with teh situation and socio culture in the region. So that the credit institutions which mentioned has the power to let the mission in reducing rural people's addiction from the informal money lender which gave high interest. In order to improve the people's capability and responsibility within increasing prosperity, the government achieve to strengthen the cooperation's capability. There is a kind of people's participation model in developing cooperation, in North Sumatera since I971 has been established a credit institution such as credit cooperation which ofcalled Credit Union (CU} In the beginning of the year 1971 there still 3 units ofcu based on 170 members and amount assets ofrp. 174.185. in North Sumatera. Then in the next year this CU has been expand in the regent and district. The Yapidi Foundations as a non profit organization who support Credit Union in the region of Pancur Batu Deli Serdang., Since 1992 until now on the Credit Union supported by YAPIDI has grown very fast in mobilizing money in the rural area. We can see it by the increase of the train community, number of members and loan year per year has increased meaningful. Mahir R. Pakpahan : Proses dan Peranan Credit Union dalam Meningkatkan Kesejahteraan Masyarakat Pedesaan..., 2002.