Peningkatan Pendapatan Anggota Arisan Mekar Jaya Melalui Pengembangan Kredit Mikro

Abstract

Suwarni, Peningkatan Pendapatan Anggota Arisan Mekar Jaya Melalui Pengembangan Kredit Mikro (Studi Kasus Di Kelurahan Cimahi Kecamatan Cimahi Tengah Kota Cimahi Provinsi Jawa Barat). Dibimbing oleh: Sutara Hendrakusumaatmadja sebagai ketua, Irawan Soehartono sebagai anggota komisi pembimbing. Permasalahan masyarakat miskin adalah permodalan. Saat ini keuangan mikro diyakini dapat digunakan sebagai alat untuk mengatasi masalah kemiskinan di Indonesia. Jika dapat dikelola secara baik, lembaga lokal seperti arisan dapat dijadikan sebagai upaya pengentasan kemiskinan. Adapun tujuan kajian ini adalah mengetahui perkembangan simpan pinjam dan arisan yang ada. Selain itu pengembangan kredit mikro melalui simpan pinjam Arisan Mekar Jaya menggunakan strategi SWOT. Metode penelitian yang digunakan dalam kajian pengembangan masyarakat ini adalah pendekatan kualitatif. Teknik pengumpulan data yang digunakan, yaitu: (1) Wawancara; (2) FGD; (3) Kuisioner.

The problem of poor community is capital. Nowadays, micro [mance is believed to be used as a means to overcome the poverty problem in Indonesia. If it is wellmanaged, local institution such as lottery can be used as an attempt to eradicate poverty. The aim of this study is to identify the development of saving and loan as well as the lottery and the development of micro credit through the saving and loan of Cooperative Lottery using SWOT strategy. The research method used in this community development study is qualitative approach. The data collecting techniques used are: (1) Interview, (2) Focus Group DiscussionlFGD, (3) Questionaire. Based on the analysis result of two activities carried out by a big family from Solo, it can be concluded that: a. Lottery activity carried out alongside saving and loan is more effective in regard to returning the loan. b. Lottery activity is a social capital that can hold micro credit to develop small bussiness. c. Based on the result of the aforementioned SWOT analysis, it can be concluded that lottery activity along with saving and loan can be developed to improve the capital of the lottery activity members. By developing lottery activity into bussiness group and enhancing the quality of human resources in [mancial ~ctminis.tration of lottery as well as. saving and loan. d, The intervention in carrying out micro credit for low level community is better accomplished through lottery due to the social insurance implied through the supervision on the returning of the loan.