IMPLEMENTASI PELAYANAN KREDIT MIKRO DALAM MENDUKUNG KETAHANAN EKONOMI KELUARGA MISKIN (Studi Pada Badan Layanan Umum Daerah Kota Kendari Provinsi Sulawesi Tenggara)

• Main Authors: , RAMLI, S.P.d, , Prof. Drs. Kasto., M.A
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2011
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/90846/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=53572
• Institution: Universitas Gadjah Mada

Poverty or any refinement of meaning in describing the living conditions of the poor, needy, helpless or destitute have synergy with the stigma of marginalized people or group. Behind the negative stigma of poverty issues is also important to look for correlative analysis of social security policy in the dynamic economic development of Indonesia, in particular local government programs. One local government programs in the city of Kendari is microcredit revolving fund for small families. This study aims to understand the process of microcredit services to the Regional Public Service Board and to examine the effectiveness of microcredit in the Regional Public Service Board in building economic resilience of small family businesses in the town of Kendari. The research method used is a qualitative method coupled with quantitative research methods, study sites were in Kendari, research instruments include interviews, questionnaires (questionnaire) study of the documentation. Data analysis techniques used are given data consists of qualitative data and quantitative data, the data collected and divided into two groups of data, ie data in the form of quantitative numbers and qualitative data are expressed in words. Quantitative data in the form of figures and qualitative data that otherwise was set aside for a while, because it would be very useful to accompany and complement the picture obtained from the analysis of quantitative data. Data obtained from the checklist questionnaire conducted by the respondent summed up and grouped according to the form of instrument used. The results showed that in the implementation of micro-credit services have shown the good service. Although the process of implementation is also experiencing barriers. Barriers in the service credit is credit that is problematic. Cause of problem loans can be caused by several factors disadvantages, namely: The debtor, the internal side Regional Public Service Board, side Regional Public Service Board external. Microcredit is intended for small families in order to open a business but also to develop new businesses that have been there before so it can increase household income. From the results showed that although total household income after the program has increased from a total household income before the program, but the per capita monthly household income of respondents after the program is still under Kendari city per capita income in 2010. So microloans to the respondents have not fully give a positive effect on household income respondents also indicate that the per capita monthly expenditure of respondents still fall below the standard poverty line dilekuarkan by BPS Jakarta to Kendari in 2010. This means that the respondents' family economic security in order to fulfill the needs of life are in a weak category. So microcredit respondents who do not fully provide a positive influence on family economic security.