DUKUNGAN SOSIAL BAGI PEREMPUAN PRA-SEJAHTERA MELALUI PROGRAM KEUANGAN MIKRO: STUDI KASUS PADA KOPERASI MITRA DHUAFA CABANG CIKALONGKULON

William Cahyawan, Sari Viciawati Machdum

Abstract


Abstract – Microfinance is one of the popular strategies to eradicate poverty and achieve gender equality. In practice, microfinance must not only focus on economic aspects, but also on the social ones. For this reason, the researcher seeks to examine the forms of support carried out by microfinance in an attempt to achieve its mission. The main theory of this research is social support theory from Lord and Hutchison (1993), consists of practical, mentoring, and moral support. This research use qualitative method with the type of case study. Study was conducted on Koperasi Mitra Dhuafa Cabang Cikalongkulon. Six participants participated in this research. Research explained that the practical support provided training to members and also provided in the form of diverse savings and loan services. Meanwhile, the mentoring support is analysis capability members to repayment and monitoring the use of them. Finally, the moral support is in the form of visiting activities for members with problems and not problems. Moral support is one of the important elements that distinguish Komida from others.

 

Abstrak Keuangan mikro adalah salah satu strategi populer dalam upaya pengentasan kemiskinan dan mencapai kesetaraan gender. Dalam praktiknya, keuangan mikro tidak boleh hanya berfokus pada aspek ekonomi, namun juga aspek sosial. Untuk itu, peneliti berupaya mengkaji bentuk-bentuk dukungan yang sebaiknya dilakukan oleh keuangan mikro dalam upaya mencapai misinya. Teori utama dalam penelitian ini adalah teori dukungan sosial dari Lord dan Hutchison (1993), meliputi dukungan praktikal, mentoring, dan moral. Penelitian ini menggunakan metode kualitatif studi kasus. Studi dilakukan pada Koperasi Mitra Dhuafa Cabang Cikalongkulon. Partisipan dalam penelitian berjumlah enam orang. Hasil riset menunjukkan bahwa dukungan praktikal dalam bentuk pelatihan dan tersedianya layanan simpanan, serta pinjaman yang beragam. Sementara itu, dukungan mentoring berupa analisis kemampuan pengembalian pinjaman, serta monitoring terhadap kegunaan pinjaman. Terakhir, dukungan moral berupa kegiatan kunjungan kepada anggota bermasalah dan tidak bermasalah. Dukungan moral menjadi salah satu elemen penting yang membedakan dari Lembaga Keuangan Mikro yang lainnya.

 


Keywords


microfinance; pre-prosperous women; social support; dukungan sosial; keuangan mikro; perempuan pra-sejahtera

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DOI: https://doi.org/10.24854/jpu02019-253

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