Savings and Loans Program, The Revenue of Small Micro Enterprises and Poverty Reduction among Women Groups

Ana Zahrotun Nihayah* -  Islamic Economy Programme, Graduate School UGM Yogyakarta, Indonesia

This research aims to understand the micro small medium business income both before and after receiving the program, to find out the number of poverty reduction, and to see the application of Islamic economic values on the women’s saving and loans program.The population of this research are members of the women’s saving and loans program, which is 215 people in total and scattered in 16 business group. Using random sampling techniques, there are 70 people that was taken into consideration. The method analysis used in in this research is using Wilcoxon rank test analysis, the poverty reduction analysis, and the Islamic economics values. Based on data analysis is(1) founded that the women’s saving and loans program affecting the micro small medium enterprises income. (2) Due to the women’s saving and loans program there are decreasing number of poverty rate about 20 percent. (3) It is realized that there are some applications of Islamic economics values upon the women’s saving and loans program, they are time extensions, fine replacement, social activities, and the improvement of society welfare.

Keyword: micro small medium business, islamic economic values, saving and loans program

  1. 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.
  2. Akyuwen, Roberto, Krisna Wijaya, dan I D G. S. (2010). Teori dan Praktek Keuangan Mikro di Indonesia. (S. P. UGM, Ed.).
  3. Ala, A. B. (1996). Kemiskinan dan Strategi Memerangi Kemiskinan. Yogyakarta: Liberty..
  4. Atal, Vidya. (2015). Say at Home, or Stay at Home? Policy Implications on Female Labor Supply and Empowerment. Review of Economics of the Household, Vol. 15, Issue 4, 1081-1103.
  5. Baridwan, Z. (n.d.). Intermediate Accounting. Yogyakarta: Penerbitan STIE YKPN.
  6. BPS. (2014). Meta DataSubditStatistik Kerawanan Nasional. internet. Retrieved from http://bps.go.id/menutab.php?tabel=1&kat=1&id_subyek=23
  7. Hamid. (1986). Recording by seminary, Dalam Kredit Pedesaan di Indonesia. Mubyarto dan Edy Sunandi Hamdi (EDS).Yogyakarta: BPFE
  8. Herdiansyah, H. (2012). Metodologi Penelitian Kualitatif untuk Ilmu-Ilmu Sosial. Jakarta: Salemba Humanika.
  9. Mariyanti, T., Mahfudz, A.A. (2016). Dynamic Circular Causation Model in Poverty Alleviation: Empirical Evidence from Indonesia. Humanomics 32 (3), 275-299.
  10. Kuncoro, M. (2009). Metode Riset Untuk Bisnis dan Ekonomi (3rd ed.). Jakarta: Erlangga.
  11. Kuncoro, M. (2011). Metode Kuantitatif, Teori dan Aplikasi Untuk Bisnis dan Ekonomi. Yogyakarta: UPP AMP YKPN.
  12. Mughniyah, M. J. (2002). Fiqih Lima Madzab. Jakarta: Lentera.
  13. Primiana, I. (2009). Menggerakkan Sektor Rill UKM dan Industri.
  14. Qardhawi, Y. (n.d.). Peran Nilai dan Moral dalam Perekonomian Islam. Jakarta: Robani Press.
  15. Sakai, M. (2010). Growing Together in Partnership: Women's Views of the Business Practices of an Islamic Savings and Credit Cooperative (Baitul Maal wa Tamwil) in Central Java Indonesia. Women's Studies International Forum 33 (4), 412-248.
  16. Samuelson, P. A. dan W. D. N. (n.d.). Makro Ekonomi. Jakarta: Erlangga.
  17. Setyagraha. (2014). BPS: Jumlah Penduduk Miskin 28,55 Juta Orang. Retrieved from http://www.antaranews.com/berita/412182/bps-jumlah-penduduk-miskin-2855-juta-orang
  18. Sevillia, C. G. (1993). Pengantar metode penelitian. Jakarta: Universitas Indonesia.
  19. Sulistyastuti, D. R. (2004). Dinamika Usaha kecil dan Menengah (UKM) Analisis Konsentrasi Regional UKM di Indonesia 1. Development of Economi Journal, 9(2), 1–43.
  20. Suyanto, B. (2013). Anatomi Kemiskinan dan Strategi Penangananya: Fakta kemiskinan Masyarakat Pesisir, Kepulauan, Perkotaan dan Dampak dari Pembangunan Indonesia. Malang: Intrans Publishing.
  21. Tim Penyusun Kamus Pusat Pembinaan dan Pengembangan Bahasa.Kamus Besar Bahasa Indonesia(1999). (2nd ed.). Jakarta: Balai Pusaka
  22. Uyanto, Stansius S. (2009).Pedoman Analisis Data Dengan SPSS. Yogyakarta, Graha Ilmu.
  23. Yusuf, Yusbar, D. (2010). Implikasi Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri Pedesaan terhadap Pendapatan Pedagang Kecil di Kecamatan Langgam Kabupaten Pelalawan Propinsi Riau tahun 2007-2010.
  24. Wahyudi, I. (2015). Realizing Knowledge Sharing in Strategic Alliance: Case in Islamic Microfinance. Humanomics 31 (3), pp. 260-271.

Shirkah: Journal of Economics and Business
Published by Faculty of Islamic Economics and Business (FEBI)
Institut Agama Islam Negeri Surakarta, Indonesia
Jln. Pandawa No. 1, Pucangan, Kartasura, Central Java, Indonesia, 57168
Phone: +62271-781516
Website: http://shirkah.or.id/new-ojs/index.php/home
Email: shirkahiainsurakarta@gmail.com

P-ISSN :2503-4235 | E-ISSN : 2503-4243

This ejournal system and it's contents licensed under
a Creative Commons Attribution-NonCommercial 4.0 International License