PEMBERDAYAAN UMKM MELALUI PROGRAM KAMPUNG BEBAS RENTENIR (KBR) KUBE BERDAYA OLEH RUMAH PEMBERDAYAAN MASYARAKAT (RPM) DI PAMULANG, KOTA TANGERANG SELATAN
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Abstract
Abstract Small and Medium Enterprises (SME) are a type of business that is still growing rapidly in Indonesia. There are still many SME actors who have weak economic values, this is due to low business capital ownership so that business actors tend to seek loans with easy and quick access conditions. Loans through moneylenders are considered to be able to help the economic activities of business actors, on the other hand moneylenders have some bad impacts that can harm the borrower because they provide early discounts and interest. This study aims to determine the process and results of empowerment in the Moneylender Kampung Bebas Rentenir. This study uses a qualitative approach. Informants were selected using a purposive sampling technique. Data was collected using observation, interviews, and documentation studies. The data was analyzed using the data analysis technique proposed by Miles and Huberman, and Triangulation was used as data validity technique. The results of the research that have been obtained show that in the implementation of empowering SME in the program Kampung Bebas Rentenir, there is an empowerment process including awareness process, knowledge transformation, and intellectual ability improvement. The results of the empowerment of SME carried. The results of the empowerment of SME carried by Rumah Pemberdayaan Masyarakat in program Kampung Bebas Rentenir is to have the ability to fulfill basic needs, to increase income, and to participate in development.
中小企业(SME)是印度尼西亚仍在快速增长的一类企业。仍然有许多中小企业行为者的经济价值较弱,这是由于企业资本所有权较低,因此企业行为者倾向于寻求容易和快速获得贷款的条件。通过放债人的贷款被认为能够帮助商业行为者的经济活动,另一方面放债人有一些坏的影响,可以伤害借款人,因为他们提供早期折扣和利息。本研究的目的是确定在放债人Kampung Bebas Rentenir中授权的过程和结果。本研究采用定性方法。使用有目的的抽样技术选择举报人。通过观察、访谈和文献研究收集数据。采用Miles和Huberman提出的数据分析技术对数据进行分析,并采用三角剖分法作为数据有效性技术。研究结果表明,在甘榜Bebas Rentenir项目赋权中小企业的实施过程中,存在一个包括意识过程、知识转化和智力能力提升在内的赋权过程。中小企业赋权的效果是显著的。Rumah Pemberdayaan Masyarakat在Kampung Bebas Rentenir项目中赋予中小企业权力的结果是,中小企业有能力满足基本需求,增加收入,并参与发展。