scholarly journals Cultural value as the basis for the microfinance development of the Farmer’s Group Association

2019 ◽  
Vol 32 (4) ◽  
pp. 346
Author(s):  
Bernard Edheney Huruta ◽  
Yulius Pratomo

This study aims to describe the form of local wisdom (cultural value) in rural microfinance — this study conducted from October until December 2018 in Wangga Village, East Sumba. A qualitative method was used to picture the phenomenon of local wisdom-based microfinance development in communities. The authors used in-depth interviews with eight informants from the Rinjung Pahamu Farmer’s Group Association. The eight informants were determined purposively. Also, the data collection was carried out through a focus group discussion with the Rinjung Pahamu Farmer’s Group Association. The results of the study show that the local wisdom experienced by the members of the Rinjung Pahamu Farmer’s Group Association was used to overcome the limited access to formal financial services. The forms of microfinance developed on the Island of Sumba could not be separated from the appreciation of the noble values (Marapu) adopted by the community, such as the philosophy of Pawandang, Hillu Kandutuku, and Rotu Padang. Furthermore, savings and loan activities carried out in the management of the Farmer’s Group Association always consider the aspects of justice and survival. Based on the successful experience of the Rinjung Pahamu Farmer’s Group Association, in the future, the cultural value as the basis for the microfinance development can be applied to other groups as a means to improve financial access among the poor, especially for those living in rural areas. Marapu’s belief that was adopted by the people in Wangga Village still used as the basis for carrying out various activities in people’s lives. Marapu’s view is the belief that the government acknowledges pride, and it strengthens the community to maintain survival and balance. It practised through the Pawandang, Hillu Kandutuku, and Rotu Padang activities.

2019 ◽  
Vol 5 (1) ◽  
pp. 99-106
Author(s):  
Muktar Bashir

This article empirically discusses the Authoritarian nature of the ruling Peoples Democratic Party (PDP) on Federal Radio Corporation of Nigeria (FRCN) in Nigeria’s Fourth Republic between 1999-2015. It employed qualitative method as a means of data collection and analysis. The primary data was generated via in-depth Interviews with relevant stakeholders who were purposively selected. Secondary data was also utilized to compliment the interviews. The article is written within the purview of the Authoritarian theory of communication and it was found that FRCN between the period under study has been dominated, controlled and dictated by the ruling PDP, reporting issues unethically. The outfit was mostly dancing to the tune of the party in power (PDP). It is recommended that FRCN should not be directly controlled by the government or party in power. Also, a law should be put in place to make it discharge its responsibility of communicating vital, truthful and objective information fairly for the people to be equipped with factual information capable of bringing the needed informed decision particularly during elections.


Author(s):  
Fatma Wardy Lubis ◽  
Yovita Sabarina ◽  
Munzaimah Masril

<p><em>This study aims to determine how disaster management is carry out by the government and stakeholders in dealing with the Mount Sinabung Eruption disaster, especially in the mitigation phase. By using the Qualitative Method, data collection was done through in-depth interviews, Focus Group Discussion (FGD) and Observations to get an overview of the handling of the Mount Sinabung Eruption in terms of two aspects; Communication and Coordination. The FGD was held in three locations; Simacem, Bekerah, and Sukameriah Villages, while FGD participants involved three categories; teenagers, women and men. The results showed that the eruption victims did not receive adequate communication regarding the knowledge of the Mount Sinabung Eruption disaster, both from the government and other organizations outside the government, even though in the mitigation phase awareness efforts should be made to the community through counseling, training, mentoring and inputting topics about the eruption of Mount Sinabung in the learning curriculum in schools ranging from kindergarten to senior high school, as well as conducting regular training. However, the training was not carried out as a result of the eruption victims had no preparation, guidelines and did not know the anticipatory measures in the face of Mount Sinabung every time an eruption occurred, while this eruption could not be ascertained when it will end. Until now there has been no organized and permanent coordination between the government and community groups outside the government, so that disaster management is still carried out spontaneously without any specific guidelines for inter-agency coordination..</em><em></em></p>


2020 ◽  
Vol 5 (02) ◽  
Author(s):  
Mohammad Hidayaturrahman ◽  
Edy Purwanto

COVID-19, which has become a world pandemic, has hit the economic sectors of countries in the world, including Indonesia. Indonesia's economic growth is predicted to be only around 2% or even 0%. This research was conducted to analyze how public support for government efforts to deal with COVID-19 and describe how the economic challenges faced. This research uses descriptive qualitative method by collecting data through in-depth interviews with several informants relating to public support for government efforts. Data collection is also done by searching for related documents online. From the research conducted, the government has the opportunity and strength to carry out initiatives to deal with COVID-19. Administrative support, regional government, business, political parties, including the opposition, and the people are tremendous. The problem is, the government's efforts and scenarios are not visible to anticipate the economic threats that are already in sight. This research wants to uncover the power of government in the form of public support in dealing with COVID-19, and remind the government, the economic challenges faced with the existence of COVID-19.


2018 ◽  
Vol 7 (2.10) ◽  
pp. 40
Author(s):  
Herwan Abdul Muhyi ◽  
Iwan Sukoco

The aim of this research was to find information relating to managers competencies of cooperatives in Pangandaran Regency and to compare the condition to the theory proposed by Spencer and Spencer (1993) to discover the extent of managers competencies of cooperatives in Pangandaran Regency. This research applied the qualitative method with the researcher as the instrument of research. Data were obtained from informants selected according to the need and purpose of the research or in another case it is called purposive sampling. Data collection was conducted through observation, literature review, in-depth interviews, and focus group discussion and subsequently data was analyzed by making reduction, presentation, conclusion, and verification. The research result indicated that regarding competencies the majority of managers of cooperatives in Pangandaran Regency have not yet been skillful in handling managerial aspects and techniques for managing cooperatives. It attracted the attention of the local government to participate in enhancing human resources of cooperatives; hence the government provided training assistance which has been conducted several times since the establishment of cooperatives in Pangandaran Regency. However, the enhancement of human resources competencies has not yet showed a significant result. The explanation above provides a conclusion that up to now managers competencies of cooperatives in Pangandaran Regency still need enhancement through training and provisioning of managerial and technical aspects. 


2020 ◽  
Vol 4 (2) ◽  
pp. 229
Author(s):  
Muhammad Eko Atmojo ◽  
Helen Dian Fridayani

Kulon Progo Regency is one of the districts that has many innovations, one of which is community empowerment in collaboration with a modern shop abbreviated as the shop name owned by the people (tomira). This research was motivated by the achievements of the Kulon Progo district government in carrying out development and innovation in the development of the Kulon Progo region by fully involving the Kulon Progo district community through community empowerment. This initiative was taken by the government of Kulon Progo Regency to improve community empowerment and protect the people of Kulon Progo Regency from various economic threats. Considering that in the past few years many modern shops have mushroomed in each district/city, so this is what makes Kulon Progo Regency move quickly to empower the community by collaborating between MSMEs or cooperative with modern shops. This study uses a qualitative method which case study approach. With the empowerment that has been done, the original products of Kulon Progo Regency or local products can be traded in modern stores so that local products in Kulon Progo Regency can compete with national products in these modern stores. The existence of such cooperation will indirectly improve the image of Kulon Progo Regency and lift the original products of Kulon Progo Regency. The lifting of the original products of Kulon Progo Regency will have a positive impact on the community, where indirectly the economy of the community will increase so that there will be prosperity for the community. Kabupaten Kulon Progo adalah salah satu kabupaten yang memiliki banyak inovasi, salah satunya adalah pemberdayaan masyarakat bekerja sama dengan toko modern disingkat nama toko yang dimiliki oleh masyarakat (tomira). Penelitian ini dilatarbelakangi oleh pencapaian pemerintah kabupaten Kulon Progo dalam melakukan pengembangan dan inovasi dalam pengembangan wilayah Kulon Progo dengan melibatkan sepenuhnya masyarakat kabupaten Kulon Progo melalui pemberdayaan masyarakat. Inisiatif ini diambil oleh pemerintah Kabupaten Kulon Progo untuk meningkatkan pemberdayaan masyarakat dan melindungi masyarakat Kabupaten Kulon Progo dari berbagai ancaman ekonomi. Menimbang bahwa dalam beberapa tahun terakhir banyak toko-toko modern telah menjamur di setiap kabupaten/kota, jadi inilah yang membuat Kabupaten Kulon Progo bergerak cepat untuk memberdayakan masyarakat dengan berkolaborasi antara UMKM atau bekerjasama dengan toko-toko modern. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan studi kasus, dengan metode yang digunakan adalah dokumentasi. Dengan pemberdayaan yang telah dilakukan, produk asli Kabupaten Kulon Progo atau produk lokal dapat diperdagangkan di toko modern sehingga produk lokal di Kabupaten Kulon Progo dapat bersaing dengan produk nasional di toko modern ini. Adanya kerjasama tersebut secara tidak langsung akan meningkatkan citra Kabupaten Kulon Progo dan mengangkat produk asli Kabupaten Kulon Progo. Pencabutan produk asli Kabupaten Kulon Progo akan berdampak positif bagi masyarakat, di mana secara tidak langsung perekonomian masyarakat akan meningkat sehingga akan ada kesejahteraan bagi masyarakat.


Author(s):  
Rajendra Baikady ◽  
Cheng Shengli ◽  
Gao Jianguo

This article reports on the result of an exploratory qualitative study with in-depth interviews conducted with postgraduate students in Chinese universities. The data were collected from five schools of social work, covering three provincial-level administrative regions of Beijing, Shanghai and Shandong. The principal aim of this article is to understand the development of social work and student perspectives on the government’s role in social work development and the function of social work in China. The study shows that Chinese social work is still developing, and the expansion and function of social work education and practice is mandated by the state. Despite a robust authoritarian hold by the government, the study finds hope among the graduate students about the mission and future of social work in China.


2005 ◽  
Vol 30 (4) ◽  
pp. 77-86 ◽  
Author(s):  
M S Sriram

In recent times, microfinance has emerged as a major innovation in the rural financial marketplace. Microfinance largely addresses the issue of access to financial services. In trying to understand the innovation of microfinance and how it has proved to be effective, the author looks at certain design features of microfinance. He first starts by identifying the need for financial service institutions which is basically to bridge the gap between the need for financial services across time, geographies, and risk profiles. In providing services that bridge this gap, formal institutions have limited access to authentic information both in terms of transaction history and expected behaviour and, therefore, resort to seeking excessive information thereby adding to the transaction costs. The innovation in microfinance has been largely to bridge this gap through a series of trustbased surrogates that take the transaction-related risks to the people who have the information — the community through measures of social collateral. In this paper, the author attempts to examine the trajectory of institutional intermediation in the rural areas, particularly with the poor and how it has evolved over a period of time. It identifies a systematic breach of trust as one of the major problems with the institutional interventions in the area of providing financial services to the poor and argues that microfinance uses trust as an effective mechanism to address one of the issues of imperfect information in financial transactions. The paper also distinguishes between the different models of microfinance and identifies which of these models use trust in a positivist frame and as a coercive mechanism. The specific objectives of the paper are to: Superimpose the role of trust in various types of exchanges and see how it impacts the effectiveness of repeated transactions. While greater access to information fosters trust and thus helps social networks to reduce transaction costs, there could be limits to which exchanges could solely depend on networks and trust. Look at the frontiers where mutual trust cannot work as a surrogate for lower appraisal costs. Use an example in the Canadian context and see how an entity that started on the basis of social networks and trust had to morph into using the techniques used by other formal nonneighbourhood institutions as it grew in size and went beyond a threshold. Using the Canadian example, the author argues that as the transactions get sophisticated, it is possible to achieve what informal networks have achieved through the creative use of information technology. While we find that the role of trust both in the positivist and the coercive frame does provide some interesting insights into how exchanges with the poor could be managed, there still could be breaches in the assumptions. This paper identifies the conditions under which the breaches could possibly happen and also speculates on the effect of such breaches.


Author(s):  
Mahesh K. M. ◽  
P. S. Aithal ◽  
Sharma K. R. S.

Purpose: The foremost intent of this research article is to create awareness about various schemes for the productive sector of agriculture. Through this study, the level of performance of these agricultural schemes and programmes were analysed that will be helpful for the attainment of financial inclusion. Hence it is necessary to know about various schemes and their making to connect the beneficiaries. Agriculture is the basic source of food supply, production, processing, promotion and distribution. Agricultural products contribute to Gross Domestic Product (G.D.P.) and generate employment in rural areas. They transform the lives of the farmers in modern society. The government of India has introduced Minimum Support Price (MPS), MIF, PMKSY, PMFBY, e-NAM, PM-KISAN, PMJDY, PM-KUSUM, PKVY, NAMS, and MGNREGS. The mobile app KisanSuvidha and innovative programmes like Kisan Rail, KrishiUdaan double the farmers’ Income (DFI). These help in transforming village economy, coverage of irrigation, crop insurance, and stabilizing the income. They also ensure financial support, flow of credit and Direct Benefit transfer of subsidies and funds to beneficiaries. Adopting modern technology, farm-based activity, poultry, dairy, forestry, beekeeping and with the support of SHGs which will directly impact productivity, profitability, financial inclusion, and the welfare of farmers in the 21st century and development of the country’s economy. Design/ methodology/approaches: This study is all about the theoretical concepts based on analysis of various schemes and interconnect. Findings and results: This study reveals that the effectiveness of various agricultural programs and also identifies the benefits and beneficiaries of these schemes. Under this research, various financial services, subsidies, funds released, online platform for agricultural products, funds for micro-irrigation, and so on benefits provided by the government of India were studied. Originality/value: Analysed the various schemes and compelled its beneficiaries and develop a modern to achieve financial inclusion and economic growth through the study. Type of Paper: Research Analysis.


Author(s):  
Huong Le ◽  
Hoang Phi ◽  
Luu Dao ◽  
Yen Nguyen ◽  
Lien Le ◽  
...  

Population arrangement to islands for settlement is one of the important policies in many ways of each nation. This study was conducted to provide an understanding of the current situation and impacts of the migration to Tho Chu Island, Phu Quoc District, Kien Giang Province, Vietnam. In-depth interviews and survey questions were used to collect preliminary data on displaced people, insular living conditions, positive and negative impacts of the migration process on the socio-economic development on the island. They are also supplemented by secondary data which were collected from various sources in research process. The study shows that the migration to the island not only helps to supplement the labor force for the island, contributes to economic and labor structure restructuring on the island but also contributes to diversifying island economic activities and expand the space, enrich the cultural life of the island. However, the process of migration to the island also poses a number of problems for the people and the government on the island.


2020 ◽  
Vol 5 (1) ◽  
pp. 95
Author(s):  
Samari Samari ◽  
Ema Nurzainul Hakimah

This study aims to uncover and find out the meaning behind traditional retailer's marketing patterns, customer attitudes toward the application of these patterns and more in analyzing the interactions between traditional retailers and their customers and to learn the subjective norms that occur in these marketing patterns.This research is a qualitative research with ethnometodology approach. The study was conducted by direct observation and in-depth interviews with traditional retailers and their customers. Informants were selected with criteria 5 R occupying rural areas of Kediri, the chosen ones were Blabak village, Kandat district, Kediri district and Blabak village, Pesantren district, Kediri city. The observations themselves were made during the sale and purchase transactions at each traditional store, which then conducted open interviews to reveal the subjective norms that occur in the marketing pattern. The results of observations and in-depth interviews in this study indicate that the four dimensions of Hofstade's culture, namely Power Distance, Collectivism, Femininity, Uncertainty Avoidance develop positively where retailers place and make themselves as partners, brothers who empathize with customers by using a basic attitude of mutual trust for fluency fulfillment of each other's needs. The noble values of the culture of the people of Kediri in buying and selling "nya nggowo, podho mlakune" based on high trust give birth to stronger customer loyalty, especially when traditional retailers also practice the service quality dimension of reliability, assurance, tangibles, empathy and responsiveness.Keywords: cultural dimensions, traditional retailers, siding marketing patterns


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