OPTIMALISASI KINERJA PINJAMAN BERGULIR BLM PNPM-MP TERHADAP TINGKAT KESEJAHTERAAN KELUARGA MISKIN DI KOTA SURABAYA

Siti Mujanah

Abstract


ABSTRACT


This study aims to determine the extent of Direct Funding Assistance to Community (BLM) through National Program of Community Empowerment-Independent Urban (PNPMMandiri Perkotaan) affected to the increased well-being of poor families in the city of Surabaya, so the results of this study are expected to know whether this program can be continues as poverty alleviation programs in Indonesia in the future or not. The techniques of data collection used in this study was survey and questionnaire used as instrument given to the sample of the population which received BLM PNPMMP in Surabaya, and data were analyzed by descriptive method. The research finding showed that the Revolving funds have been distributed to the community through PNPM in Surabaya to revive economic activity through micro small
business that has been very beneficial for economic activities so that they have no longer funding from money landers to fulfill the financial needs for funding their business progress, and they were able to increased their business until 20-30%, and it was impact on household well-being about 10 s/d 30%. This indicate that the Funding Assistance could resolved the families financial difficulties, and improved their own business, the quality of their family’s food, and there was also able to save money for their familiy purpose.

ABSTRAKSI

Penelitian ini bertujuan mengetahui besarnya pengaruh Bantuan Langsung Masyarakat (BLM) melalui Program  Nasional Pemberdayaan Masyarakat (PNPM) Mandiri bagi peningkatan kesejahteraan bagi masyarakat miskin di
Surabaya. Di samping itu tujuan penelitian ini adalah untuk mengetahui apakah program tersebut dapat dilanjutkan sebagai program mengentas kemiskinan di Indonesia di waktu yang akan datang. Teknik pengumpulan data melalui survey
dengan menggunakan kuisioner digunakan dalam penelitian ini. Sampel dari populasi yang memperoleh BLM PNPM di Surabaya serta dianalisa dengan metode deskriptif. Penelitian ini menemukan bahwa dana bergulir yang didistribusikan kepada komunitas untuk menghidupkan kembali aktivitas perekonomian melalui usaha mikro dan kecil sangat bermanfaat bagi kegiatan perekonomian, sehingga masyarakat tidak melakukan pinjaman ke rentenir. Di samping itu kegiatan usahanya meningkat sampai dengan 20-30% serta
meningkatkan kesejahteraan rumah tangga 10-30%.
Hal ini menunjukkan bahwa Bantuan Langsung Masyarakat dapat menyelesaikan permasalahan kesulitan keuangan masyarakat, serta meningkatkan usaha mereka, kualitas makanan keluarga serta juga meningkatkan tabungan keluarga


Keywords


Kausalitas Granger Utang Luar Negeri; Pertumbuhan Ekonomi; Tabungan Domestik

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DOI: http://dx.doi.org/10.17970/jrem.15.150102.ID

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ISSN : 1412-1824
E-ISSN : 2443-1265



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