THE ROLE OF INFORMAL FINANCE INSTITUTION �SURENG MANUNGGAL SEJAHTERA� IN INCREASING RURAL HOUSEHOLD�S INCOME IN TEPUS SUBDISTRICT, GUNUNGKIDUL REGENCY

• Main Authors: , ARI AJI CAHYONO, , Prof. Dr. Ir. Irham, M.Sc.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2014
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/129730/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=70126
• Institution: Universitas Gadjah Mada

This study aims to understand: (1) SMS member�s asset condition, (2) SMS member�s income sources and their contribution toward total household income, and (3) the role of SMS (loan) in increasing member�s household income. Descriptive analytical method was used as the basic method in this study. A well-structured interview schedule was conducted to collect data from the respondents and analysed using percentages, means, and t-test analysis. Cross-tab analysis was used to analyse household�s asset and income. Paired t-test was examined to know whether or not SMS takes a role in increasing household income. Purposive sampling method was applied to decide the study area while simple random sampling was employed to choose the respondents. Thirty respondents were taken as the sample of farmers. This study concludes that SMS member gain average household asset and annual income about Rp65,585,300 and Rp 13,634,583 respectively. The asset came from property, vehicle, electronic goods, and land. While the income came from on-farm, off-farm, and non-farm activity. Paired ttest showed that SMS takes a role in increasing member�s household income through goat loan programme. This loan can improve member�s household income by 3.64%. On the other hand, cash loan does not increase member�s household income by not giving additional income. Cash loan users allocate this loan only for daily consumption and asset expansion. Despite of their different role, both loans are considered as important aids to improve members� financial situation.