DOI
10.7454/jurnalkessos.v10i2.1229
Abstract
This study is aimed to answer the challenges faced by the microfinance sector in Indonesia in regards to poverty reduction. Besides economic deprivation, deprivation to access to economic activities such as isolation from reproduction of social capital, social network, family, and business network, are faced by the poor. Microfinance could be utilized as a tool to reduce poverty through social and financial intermediation process within. This study presented a case study of LKM Kube Sejahtera in Sleman, Yogyakarta that transformed the poor to become micro-entrepreneur through the financial and social intermediation process. The first process was a character building process to increase the community's capabilities to be micro-entrepreneurs. Next, in small groups, the financial intermediation process was provided through provisions of loans. In conjunction with this, the social intermediation process was implemented in a sustainable manner where community development worker provides skill building activities such as bookkeeping and marketing social empowerment was initiated through saving initiatives and strengthening network within the groups or with other groups.
Bahasa Abstract
Studi ini mencoba menjawab tantangan yang dihadapi oleh bidang microfinance di Indonesia dalam penanganan kemiskinan. Kemiskinan dapat meliputi deprivasi ckonomi dan deprivasi terhadap akses pada kegiatan ekonomi seperti keterasingan dalam reproduksi modal sosial, seperti jejaring sosial, keluarga, dan bisnis Microfinance yang meliputi proses sosial dan financial intermediasi dapat menjadi alat dalam penanggulangan kemiskinan. Sebuah contoh yang dipaparkan dalam studi ini adalah LKM Kube Sejahtera di Sleman, Yogyakarta yang menerapkan financial dan sosial intermediasi yang membawa masyarakat miskin menjadi micro-enterpreuner melalui sebuah proses transformasi. Pertama, karakter masyarakat miskin dibangun untuk mempersiapkan kapasitas dan kapabilitas mereka sebagai micro-enterpreneur, kemudian lewat kelompok-kelompok kecil, proses financial intermediasi dilaksanakan dengan penyediaan kredit. Di saat yang sama, proses intermediasi sosial juga dilaksanakan dimana community development workers secara berkelanjutan memberikan peningkatan keterampilan seperti pembukuan dan pemasaran. Pemberdayaan sosial dilaksanakan lewat gerakan menabung serta memperkuat jejaring dalam kelompok sendiri atau dengan kelompok lainnya.
Recommended Citation
Aryo, Bagus
(2010)
"Microfinance dan Pemberdayaan: Suatu Upaya Penanganan Kemiskinan yang Berkelanjutan,"
Jurnal Ilmu Kesejahteraan Sosial: Vol. 10:
No.
2, Article 2.
DOI: 10.7454/jurnalkessos.v10i2.1229
Available at:
https://scholarhub.ui.ac.id/jiks/vol10/iss2/2
Included in
Community-Based Learning Commons, Community-Based Research Commons, Community Health Commons, Counseling Commons, Disability Studies Commons, Family, Life Course, and Society Commons, Gerontology Commons, Inequality and Stratification Commons, Marriage and Family Therapy and Counseling Commons, Nonprofit Studies Commons, Organization Development Commons, Other Mental and Social Health Commons, Social Justice Commons, Social Policy Commons, Social Psychology and Interaction Commons, Social Welfare Commons, Social Work Commons, Substance Abuse and Addiction Commons
