Community Empowerment through Islamic Microfinances: Perceptions in Comparison
How to cite (IJASEIT) :
BMT (Islamic saving and loan cooperative) has continuosly been one of the Islamic microfinance institutions playing a significant role in empowering economic society. There has been a number of research discussing on the effort, however none of them discussed on the perception between the empowers and the empowered group. Comparing these perceptions is a salient effort to find similarities or differencess of perceptions. This research seeks to compare empowerment perception between two organizations. One hand hand, the first party taking BMT BIF Ledok Timoho as the empowering organization and on the other hand focusing on a group of women's empowerment Ledok Timoho. Gathering data through doing observation and in-depth interview had been employed with selecting the purposive informants that contains a BMT BIF and four empowerment group representatives. To conclude, this research found that are similarities of perceptions on empowerment goals, process, outcomes and constraints.
Keywords : perception, empowerment, BMT (Islamic saving and loan cooperative)
Adnan, M.A., Ajija, S.R. (2015). The Effectiveness of Baitul Maal Wat Tamwil in Reducing Poverty the Case of Indonesian Islamic Microfinance Institution. Humanomics 31 (2), 160-182.
Al Arif, M. N. R.. (2012). Lembaga Keuangan Syariah.Bandung: Pustaka Setia.
Alwan, S.M. (2011). Kontribusi BMT Terhadap Pemberdayaan Ekonomi Perempuan (Studi pada BMT Wilayah Tangerang Selatan). Thesis. Jakarta : UIN Syarif Hidayatullah.
Aziz, M.A. (2004) Pedoman Pendirian BMT (Baitul Maal wa Tamwil., Jakarta: Pinbuk Press.
Baron, R.A. dan Paulus, P.B. (1991). Understanding Human Relations: A Practical Guide to People at Work, Edisi ke-2, Boston: Allyn & Bacon.
Cangara, H. (2010). Pengantar Ilmu Komuniksi. Jakarta: Rajagrafindo Persada.
Devito, J.A. (1997). Komunikasi Antar Manusia. edisi ke-5.Penerjemah; Agus Maulana. Jakarta: Professional Books.
Diah, Y. (2013). Dampak Pemberdayaan Masyarakat Bagi Perempuan (Studi tentang Pelaksanaan CSR PT. Badak NGL terhadap Anggota Perempuan Kelompok Tani Lestari di Tanjung Laut Indah, Bontang Selatan, Bontang), Tesis: Universitas Gadjah Mada.
Goodacre, P. dan Follers, J. (1987). Communicating Accros Cultures.Wenworth, NSW: Sosial Science Press.
Gudykunts, W.B. dan Kim, Y.Y. (1992). Communicating with Strangers; An Approach to Intercultural Communication. Edisi Ke-2. McGraw-Hill.
Hadi, R., Wahyudin, U., Ardiwinata, J.S., Abdu, W.J. (2015). Education and Microfinance: an Alternative Approach to the Empowerment of the Poor People in Indonesia. SpringerPlus 4 (1), 244.
Hardi, E.A.(2013). Analisis Pemberdayaan Masyarakat Muslim Miskin Melalui Qardul Hasan (Studi Kasus Program Baitul Maal BMT Beringharjo Yogyakarta). Tesis: Universitas Gadjah Mada.
Hardjana, A.M. (2003). Komunikasi Intrapersonal & Interpersonal. Yogyakarta: Kanisius.
Jati, H.K.K. (2014). Pengaruh Pelaksanaan Program PNPM Mandiri Respek dalam Upaya Penanggulangan Kemiskinan di Kabupaten Mimika. Tesis: Universitas Gadjah Mada.
Mefalopulos. P.(2008). Development Communication Sourcebook. Broadening the Boundaries of Communication. Washington DC: World Bank.
Mubyarto. (2000). Membangun Sistem Ekonomi. Yogyakarta: BPFE.
Mulyana, D. (1996). Komunikasi Antar Budaya: Panduan Berkomunikasi dengan Orang-orang Berbeda Budaya. Bandung: Remaja Rosdakarya.
Mulyana, D. (2003). Ilmu Komunikasi: Suatu Pengantar. Bandung: Remaja Rosdakarya.
Mulyana, D. (2007). Ilmu Komunikasi: Suatu Pengantar, Bandung : Remaja Rosdakarya.
Nihayah, A.Z.(2014). Pengaruh Program Simpan Pinjam Kelompok Perempuan Terhadap Pendapatan Usaha Mikro Kecil dan Poverty Reduction dalam Perspektif Ekonomi Islam. Tesis: Universitas Gadjah Mada.
Ngadiman, Pambudi, D., Kusuma Wardani, D., Sabandi, M. (2014). Determinants of Accounting Information Technology Adoption in Syaria Micro Financial Institutions. Asian Social Science 10 (14), 93-105.
Pearson, J. C. dan Nelson, P. E. (1979). Understanding and Sharing: An Introduction to Speech Communicatio. Dubuque., Lowa; Wm. C. Brown.
Rahmawati, H. (2015). Pemberdayaan Masyarakat Melalui Kawasan Wisata. Skripsi: Universitas Gadjah Mada.
Rarasati, W.P. (2007). Pemberdayaan Fakir Miskin melalui Lembaga Keuangan Mikro (LKM)-Kelompok Usaha Bersama (KUBE): Studi di Lembaga Keuangan Mikro (LKM).BMT Sejahtera di Hogoadi Mlati Sleman.Tesis: Universitas Gadjah Mada
Raymond S.R. (1983). Speech Communication: Fundamentals and Practice. Edisi ke-6, Englewood Cliifs. New Jersey: Prentice Hall.
Rich, A.L. (1974). Interacial Communication. New York: Harper & Row.
Ridwan, A.H., (2013). Manajemen Baitul Maal Wa Tamwil. Bandung: Pustaka Setia.
Safi’i, M. (2010). Ampih Miskin: Model Kebijakan Penuntasan Kemiskinan dalam Perspektif Teori dan Praktek. Averros Press.
Samovar, L.A. dan Porter, R.E. (1991). Communication between Cultures, Belmont, California: Wadsworth.
Sereno, K.K. dan Bodaken, E.M. (1975).. Trans-Per Understanding Human Communication, Boston : Houghton-Mifflin.
Setyawati, R. (2002). Pemberdayaan Ekonomi Kelompok Miskin melalui BMT di DIY. Tesis : Universitas Gadjah Mada, Yogyakarta.
Setyowati, A. (2014). Analisis Efektifitas Pemberdayaan Ekonomi oleh Pimpinan Cabang Muhammadiyah (PCM) Krembangan Terhadap Mantan Pekerja Seks Komersial (PSK) Pasca Penutupan Lokalisasi Dupak Bangunsari dan Tambak Asri Surabaya Tahun 2014. Tesis : Universitas Gadjah Mada.
Shihab, M.Q. (2005). Tafsir al-Misbah, Jakarta: Lentera Hati
Shihab, M.Q. (1996). Wawasan al-Qur’an, Bandung: Mizan.
Suhartini, dkk. (2005). Model-Model Pemberdayaan Masyarakat, Yogyakarta: LKiS Pelangi Aksara.
Sulistiyani, A.T. (2004). Kemitraan dan Model-Model Pemberdayaan. Yogyakarta: Gaya Media.
Sugiyono, (2008). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta
Suyanto, B. (2005). “Pemberdayaan Komunitas Marginal di Perkotaan†in Moh. Ali Aziz et all. Dakwah Pemberdayaan Msyarakat. Yogyakarta: LKiS Pelangi Aksara.
Wahyudi, H. (2014). Implementasi Kebijakan program Pengembangan Wilayah Terpadu Sebagai Solusi Pemberdayaan Perekonomian Masyarakat di Kota Yogyakarta. Tesis: Universitas Gadjah Mada.
Wardiwiyono, S. (2012). Internal Control System for Islamic Micro Financing: An Exploratory Study of Baitul Maal wat Tamwil in the City of Yogyakarta Indonesia. International Journal of Islamic and Middle Eastern Finance and Management 5 (4), 340-352.
Widiastuti, R.R. dkk. (2015). Pemberdayaan Masyarakat Marginal. Yogyakarta: Pustaka Belajar.
Wulandari, P., Kasim, S. (2016). Issues and Challenges in Financing the Poor: Case of Baitul Maal Wa Tamwil in indonesia. International Journal of Bank Marketing 34(2), 216-324.
Copyright
Copyright aims to protect the specific way the article has been written to describe an experiment and the results. Shirkah: Journal of Economics and Business is committed to its authors to protect and defend their work and their reputation and takes allegations of infringement, plagiarism, ethical disputes, and fraud very seriously. Automotive Experiences is published under the terms of the Attribution-NonCommercial 4.0 International (CC BY-NC 4.0). Authors retain copyright and grant the journal right of first publication (online and print) with the work simultaneously. We use the restrictive license (non-commercial) as follows:
BY (attribution): Users are allowed to share, distribute and redistribute the published article in any medium or format, with an identification of the authors and its initial publication in this journal. Authors are encouraged to post and distribute their articles immediately after publication (e.g., institutional or public repositories, personal websites). Authors are allowed to enter into additional contractual arrangements for the non-exclusive distribution of the published and an acknowledgment of its initial publication in this journal.
NC (non-commercial): Users are not allowed to use the article commercially without the permission of the authors. Authors agree explicitly that the published article is indexed worldwide in databases, repositories and indexation services, even if these services operate on a commercial basis. Authors grant Shirkah: Journal of Economics and Business explicit the right to include the published articles in databases, repositories and indexation services. License
License to Publish
The non-commercial use of the article will be governed by the Attribution-NonCommercial 4.0 International (CC BY-NC 4.0). The author hereby grants Shirkah: Journal of Economics and Business an exclusive publishing and distribution license in the manuscript include tables, illustrations or other material submitted for publication as part of the manuscript (the “Articleâ€) in print, electronic and all other media (whether now known or later developed), in any form, in all languages, throughout the world, for the full term of copyright, and the right to license others to do the same, effective when the article is accepted for publication. This license includes the right to enforce the rights granted hereunder against third parties.
Author's Warranties
The author warrants that the article is original, written by stated author/s, has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).
User Rights
Under the Creative Commons Attribution-Non Commercial 4.0 International (CC BY-NC 4.0) license, the author(s) and users are free to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material). Users must give appropriate credit, provide a link to the license, and indicate if changes were made.
Rights of Authors
Authors retain the following rights:
- Copyright, and other proprietary rights relating to the article, such as patent rights,
- The right to use the substance of the article in future own works, including lectures and books,
- The right to reproduce the article for own purposes, provided the copies are not offered for sale, and
- The right to self-archive the article.
Co-Authorship
If the article was prepared jointly with other authors, the signatory of this form warrants that he/she has been authorized by all co-authors to sign this agreement on their behalf, and agrees to inform his/her co-authors of the terms of this agreement.
Royalties
This agreement entitles the author to no royalties or other fees. To such extent as legally permissible, the author waives his or her right to collect royalties relative to the article in respect of any use of the article by Shirkah: Journal of Economics and Business or its sublicensee.
Miscellaneous
Shirkah: Journal of Economics and Business will publish the article (or have it published) in the Journal if the article’s editorial process is successfully completed and Shirkah: Journal of Economics and Business or its sublicensee has become obligated to have the article published. Shirkah: Journal of Economics and Business may conform the article to a style of punctuation, spelling, capitalization, and usage that it deems appropriate.