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The role of micro financial institution to improve socio-economic of the rurel communities

Jurnal Keuangan dan Perbankan, Volume 14, Nomor 1, Januari 2010
Journal from JIPTUNMERPP / 2011-12-20 06:46:49
Oleh : Moh. Azis Arisudi ; Salfarina Abdul Gapor, Diploma 3 of Finance and Banking Merdeka University Malang (jurkubank@yahoo.com)
Dibuat : 2010-01-01, dengan 0 file

Keyword : Micro credit, rural communities

Micro financial institution had an important role to improve the socio-economic of the rurel communities. Homever, in its effort, the result in improving the socio-economic of the rurel communities, particularly among the poor is still low. The access for the rurel communities for low interest credit was also limited. The objectives of this research were as follows. First, to analyze the factors that drove the rurel communities to borrow money from micro credit institutions. Second, to analyze the role of micro credit institutions and its impacts on the rural communitiesÂ’ socio-economic, Third, to analyze the rural communitiesÂ’ coping strategies, Fourth, to evaluate the rural communitiesÂ’ perceptions on micro credit interest rate. This research used both qualitative and quantitative methods. The results of this research were as follows, First, the factors causing rural communities to borrow money form micro credit institutions were to cover their living cost, provision and addition of capital. The micro credit institutions were to cover their living cost, provision and addition of capital. The micro credit institution had considerably lower interest rate than rentener, and the procedures were simple and fast. Seccond, the role of micro credit institutions to improve the rurel communities socio-economic was still low. Third, the interest rate the micro credit institutions was comparably and lower than the unlicensed micro bank.

Deskripsi Alternatif :

Micro financial institution had an important role to improve the socio-economic of the rurel communities. Homever, in its effort, the result in improving the socio-economic of the rurel communities, particularly among the poor is still low. The access for the rurel communities for low interest credit was also limited. The objectives of this research were as follows. First, to analyze the factors that drove the rurel communities to borrow money from micro credit institutions. Second, to analyze the role of micro credit institutions and its impacts on the rural communitiesÂ’ socio-economic, Third, to analyze the rural communitiesÂ’ coping strategies, Fourth, to evaluate the rural communitiesÂ’ perceptions on micro credit interest rate. This research used both qualitative and quantitative methods. The results of this research were as follows, First, the factors causing rural communities to borrow money form micro credit institutions were to cover their living cost, provision and addition of capital. The micro credit institutions were to cover their living cost, provision and addition of capital. The micro credit institution had considerably lower interest rate than rentener, and the procedures were simple and fast. Seccond, the role of micro credit institutions to improve the rurel communities socio-economic was still low. Third, the interest rate the micro credit institutions was comparably and lower than the unlicensed micro bank.

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PropertiNilai Properti
ID PublisherJIPTUNMERPP
OrganisasiDiploma 3 of Finance and Banking Merdeka University Malang
Nama KontakDra. Wiwik Supriyanti, SS
AlamatJl. Terusan Halimun 11 B
KotaMalang
DaerahJawa Timur
NegaraIndonesia
Telepon0341-563504
Fax0341-563504
E-mail Administratorperpus@unmer.ac.id
E-mail CKOwsupriyanti@yahoo.com

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  • Editor: Wiwik Supriyanti, Dra. SS.