期刊名称：MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah
印刷版ISSN：2085-8418
出版年度：2010
卷号：3
期号：2
页码：43-52
语种：English
出版社：Institut Pertanian Bogor
摘要：Population condition of coastal society in Indonesia is estimated up to 16.42 millions in 8,090 villages. According to compilation analysis of Institution Center of Statistic (2002) and SMERU (2000), the poverty headcount index (PHI) in average is 0.3214, which means around 32% of the population or 5,254,400 people in coastal area are living under poverty line based on Sajogjo’s criteria. Many programs, projects and activities had been done to reduce poverty of the fisherman, the number of poor fisherman is increasing and the area of coastal village is broaden everyday. The presence of few LKM’s (Lembaga Keuangan Mikro) gave a significant impact in poverty elimination. The objectives of this research were (1) to examine the achievement of PEMP using non-micro finance institution model or micro finance institution model from financial analysis, institution view and individual perception of the user (client), (2) to examine the impact of PEMP to the fisherman’s rate of income using non-micro finance institution model or micro finance institution model. The result of institutional analysis on non-micro finance institution or micro finance institution that the management on LKM was run professionally compared to non-LKM; the standpoint of increasing the economy of coastal society on LKM is through bankable finance institution. On the other hand non-LKM was treated as grant; the status of LKM is a cooperation since 2004 while non-LKM is society-built. System of institutional, management, and user capacity showed that LKM was more systematic and organized compare with non-LKM. The finance system show that non-LKM better than LKM but the different between them not significant. It’s mean, the system of finance on LKM need to be fixed. Both kind of program have not indicated intervention on increasing level of income compare with non-LKM. income level distribution on consumer of LKM better than non-LKM. The result of QFD shows that LKM system more organized than non-LKM, but LKM still have not complete desirous of consumer compared to non-LKM either creditor (tengkulak), the most important on prosedural, guarantee and rate. Keywords : Poverty, microfinance, institution, income
