摘要：Center for Micro Finance Development of Bina Swadaya has adopted ASA (Association for Social Advancement) model for servicing its women microcredit beneficiaries.After 12 year of services,there is a presumptions that ASA model has influence towards the development of saving and loan Cooperative Bina Swadaya Nusantara and also the development of its woman microbusiness clients.The aims of this study:1) to analyze the performance of saving and loan Cooperative Bina Swadaya Nusantara in implementing ASA model,2) to analyze the development of micro business conducting by women beneficiaries of saving and loan Cooperative Bina Swadaya Nusantara,3) to analyze the impact of ASA model micro credit service towards the development of microbusiness,and 4) to identify factors which influence the development of micro business using ASA model run by Saving and Loan Cooperative Bina Swadaya Nusantara.The methodology of this study used correlational descriptive explanative survey with qualitative and quantitative approaches.Sampling technique used proportionate method by limitation of every region based on the quota,in accordance with a population that is in the region.This study used descriptive analysis and multiple linear regression.The result shows that there has been a significant effect on both saving and loan CooperativeBina Swadaya Nusantara and its women micro business.The factors which have very significant and significant effects,are:micro business’s characteristic and micro business services knowledge.Whereas,the Credit Officer (CO) and the business environment have no significant effect.
其他摘要：Pusat Pengembangan Keuangan Mikro (PPKM) Bina Swadaya telah mengadopsi
layanan keuangan mikro model ASA (Association for Social Advancement) untuk melayani
usaha mikro perempuan binaannya. Setelah 12 tahun diterapkan, model ASA mempengaruhi
perkembangan KSP Bina Swadaya Nusantara dan usaha mikro perempuan binaannya. Tujuan
kajian adalah (1) menganalisis perkembangan kinerja KSP Bina Swadaya Nusantara dalam
menerapkan model ASA, (2) menganalisis perkembangan usaha mikro perempuan binaannya,
(3) menganalisis pengaruh layanan keuangan mikro model ASA terhadap perkembangan usaha
mikro, dan (4) menganalisis faktor-faktor yang mempengaruhi perkembangan usaha mikro.
Metode penelitian menggunakan survai eksplanatif bersifat deskriptif korelasional dengan
pendekatan kuantitatif dan kualitatif. Teknik penarikan sampel menggunakan metodeproportionate, dengan pembatasan setiap wilayah berdasarkan kuota, sesuai dengan populasi yang ada di wilayah
tersebut. Analisis yang digunakan adalah analisis deskriptif dan analisis regresi linear berganda. Hasil penelitian
menunjukan telah terjadi perkembangan KSP Bina Swadaya Nusantara dan usaha mikro perempuan binaanya. Layanan
model ASA yang diterapkan KSP Bina Swadaya Nusantara berpengaruh sangat nyata terhadap perkembangan usaha
mikro perempuan binaannya. Faktor-faktor yang berpengaruh sangat nyata dan nyata adalah karakteristik pelaku usaha
mikro dan pengetahuan layanan keuangan. Sedangkan credit officer (CO) dan lingkungan usaha tidak berpengaruh nyata.
关键词：saving and loan cooperative;women micro business
其他关键词：koperasi simpan pinjam;usaha mikro perempuan
