STRATEGI PENGEMBANGAN LEMBAGA KEUANGAN MIKRO AGRIBISNIS (LKMA) DI KABUPATEN PANDEGLANG

ABSTRACTGabungan Kelompok Tani (Gapoktan) is institutional economics in rural area in which the combined number of farmers' group. Based on the Regulation of the Minister of Agriculture, Gapoktan can perform economic functions. To more effectively manage the funds of PUAP, Gapoktan directed to develop Agribusiness Microfinance Institutions (AMFI). Growth and expansion in Gapoktan PUAP AMFIis strategic step to resolve the question of the financing of small farmers and agricultural laborers during this difficult to get financial services through formal financial institutions and banking. Therefore, the formation AMFI purpose is to; (1) provide assurance services and farmers easier access to financing facilities, (2) a simple and fast procedure, (3) the proximity of the location of the service with the efforts of farmers, (4) operator of AMFI very understanding of the character of farmers as customers. Central government and local government continued to encourage the formation of AMFI on Gapoktan PUAP. The existence AMFI certainly to be hoped by poor farmers in Pandeglang District.The Sum ofGapoktan that has been gained PUAP program until 2012 is 257 Gapoktan. This amount is equivalent to 76.72 percent of the total village in Pandeglang District. However, the number of successful AMFIuntil 2012 only 16 AMFI (6.23%). Total AMFI is certainly not expected. Therefore, this study discusses the performance Gapoktan PUAP, evaluate the process of the formation of the AMFI on Gapoktan PUAP, and analyze the performance of AMFI. The study and analysis of the material to formulate a development strategy AMFI in Pandeglang District.Keywords: Gapoktan, PUAP, LKMAABSTRAKGapoktan adalah kelembagaan ekonomi di pedesaan yang di dalamnya bergabung beberapa kelompok tani. Berdasarkan Peraturan Menteri Pertanian, Gapoktan dapat melakukan fungsi-fungsi ekonomi. Untuk lebih mengefektifkan pegelolaan dana PUAP, Gapoktan membentuk Lembaga Keuangan Mikro Agribisnis (LKMA). Penumbuhan dan pengembangan LKMA di dalam Gapoktan PUAP merupakan langkah strategis untuk menyelesaikan persoalan pembiayaan petani kecil dan buruh tani yang selama ini sulit mendapatkan pelayanan keuangan melalui lembaga keuangan formal dan perbankan. Oleh karena itu, tujuan pembentukan LKMA adalah untuk; (1) memberikan kepastian pelayanan serta kemudahan akses petani terhadap fasilitas pembiayaan; (2) prosedur yang sederhana dan cepat; (3) kedekatan lokasi pelayanan dengan tempat usaha petani; (4) pengelola LKMA sangat memahami karakter petani sebagai nasabah. Pemerintah Pusat dan Pemerintah Daerah terus mendorong terbentuknya LKMA pada Gapoktan PUAP. Keberadaan LKMA tentu sangat diharapkan oleh petani miskin di Kabupaten Pandeglang. Jumlah Gapoktan yang telah mendapatkan program PUAP hingga tahun 2012 sebanyak 257 Gapoktan. Jumlah ini setara dengan 76,72 persen dari jumlah desa dan kelurahan di Kabupaten Pandeglang. Namun demikian, jumlah LKMA yang berhasil dibentuk hingga tahun 2012 sebanyak 16 LKMA (6,23%). Jumlah LKMA tersebut tentu tidak sesuai harapan. Oleh karena itu, kajian ini membahas tentang kinerja Gapoktan PUAP, mengevaluasi proses pembentukan LKMA pada Gapoktan PUAP, dan menganalisis kinerja LKMA. Hasil kajian dan analisis tersebut menjadi bahan untuk merumuskan strategi pengembangan LKMA di Kabupaten Pandeglang.Kata kunci: Gapoktan, PUAP, LKMA

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Local Government and Local Development: Bridging the Gap through Critical Discourse: Evidence from the Commonwealth Caribbean

Commonwealth Journal of Local Governance ◽

10.5130/cjlg.v0i10.2686 ◽

2012 ◽

pp. 5-31 ◽

Cited By ~ 4

Author(s):

Eris D Schoburgh

Keyword(s):

Local Government ◽

Development Strategy ◽

Informal Economy ◽

Social Transformation ◽

Central Government ◽

Local Development ◽

Local Context ◽

Wealth Creation ◽

Organisational Capacity ◽

Developmental Role

Local development, whether construed broadly as community development or more narrowly as local as economic development (LED) is not always associated with local government but rather is the purview of a central government department or agency in Anglophone Caribbean policy systems. However with the emergence of ‘local place - and people-oriented approaches’ to development that offer new propositions about how to respond to risks and opportunities brought by globalization, local government is seen increasingly as an appropriate institutional context in which to pursue short-range objectives, such as creation of market opportunities and redressing the disparities within national economies; as well as the long-range goal of social transformation. A developmental role for local government raises two questions that form the central concerns of this paper: What are the institutional and organisational imperatives of a developmental role for local government? To what extent have these imperatives been addressed in reform? A critical analysis of local government reform policies in Trinidad and Tobago and Jamaica revealed substantive convergence around local development as an outcome of reform but also important divergence in the approach to achieving this goal which suggests the absence of a cohesive model. The paper argues for a new agenda in reform that links local government more consistently with a local development strategy. It asserts that such a strategy must incorporate gender equality, the informal economy and institutional organisational capacity in the process of transformation and as a basis for creating a local context in which all types of resources can be maximized in the process of wealth creation in a locality.

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Local Government Borrowing Capacity: Legislative versus Market Approach in Slovenia, Croatia, and Serbia

Lex localis - Journal of Local Self-Government ◽

10.4335/18.1.185-209(2020) ◽

2020 ◽

Vol 18 (1) ◽

pp. 185-209

Author(s):

Vasja Rant ◽

Mitja Čok ◽

Gregor Rožman ◽

Miroslav Verbič

Keyword(s):

Local Government ◽

Financial Institutions ◽

Local Governments ◽

Central Government ◽

Local Development ◽

Market Sentiment ◽

Investment Opportunities ◽

Per Capita ◽

Market Approach ◽

Financing And Investment

In this article, we develop a new conceptual model for estimating local government borrowing capacity that combines a legislative and market approach. The model has wider applicability and is relevant for several stakeholders: for the local governments to determine their development financing potential, for the central government to balance local development needs with macroeconomic stability objectives, and for financial institutions and project, developers to tailor their products to the local financing and investment opportunities. We apply the model on selected local government units in Slovenia, Croatia and Serbia and test the hypothesis that their relative (per capita) borrowing capacities differ. We find that the legislative borrowing capacity is more restrictive in Slovenia, while market limitations cap the borrowing capacity in Croatia and Serbia. Overall, Slovenian local government units have the highest relative (per capita) market borrowing capacity, followed by local government units in Croatia and Serbia. We also find evidence that market sentiment may be prohibitive for the borrowing of some units. Our results additionally indicate substantial unused local borrowing capacities in the analysed local government units.

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Exploring the Role of Microfinance in Emerging Nations

Research Anthology on Personal Finance and Improving Financial Literacy ◽

10.4018/978-1-7998-8049-3.ch015 ◽

2021 ◽

pp. 249-268

Author(s):

Kijpokin Kasemsap

Keyword(s):

Health Care ◽

Interest Rates ◽

Financial Institutions ◽

Financial Services ◽

Financial Resources ◽

Rural Poor ◽

Microfinance Institutions ◽

Emerging Nations ◽

Poor Households

This chapter explains the overview of microfinance; the efficiency of microfinance institutions (MFIs) and sustainability; microfinance and interest rates; microfinance and information technology (IT); microfinance, social capital, trust, and repayment rates; microfinance and health care; informal microfinance institutions (IMFIs) and tourism entrepreneurship; and the importance of microfinance in emerging nations. Financial services provide a method for people and businesses to obtain credit and manage available assets on a continuous basis. Microfinance has a significant role in bridging the gap between formal financial institutions and rural poor households. MFIs can access financial resources from banks and other financial institutions and provide financial services to poor households. The chapter argues that promoting microfinance has the potential to enhance financial performance and reach economic goals in emerging nations.

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Remittances and financial institutions: is there a causal linkage?

The B E Journal of Macroeconomics ◽

10.1515/bejm-2014-0116 ◽

2015 ◽

Vol 15 (2) ◽

Cited By ~ 1

Author(s):

Alberto Posso

Keyword(s):

Developing Countries ◽

Financial Institutions ◽

Financial Services ◽

Development Process ◽

Home Country ◽

Microfinance Institutions ◽

Reverse Effect ◽

Future Income ◽

Key Driver ◽

Migrant Remittances

AbstractThe extant literature indicates that remittance inflows from developed to developing countries provide liquidity for domestic financial institutions, which aids in the development process. However, the reverse effect has been neglected. This paper tests whether more financial services and opportunities in the home country attract remittances to developing countries. It addresses this hypothesis using a dataset of 72 developing countries over the period 1997–2011. The paper finds evidence that remittance inflows are driven by increased availability of domestic financial services. In particular, the presence of microfinance institutions is found to be a key driver in stimulating migrant remittances. These findings, perhaps, suggest that remittance-sending migrants may not be altruistic and send remittances to maximize their own future income. Alternatively, the results suggest that microfinance organizations have been successful in attracting remittances by lowering transaction costs and proving linked services.

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FORMATION OF UKRAINE TRANSPARENCY BANKING

Vìsnik Sumsʹkogo deržavnogo unìversitetu ◽

10.21272/1817-9215.2019.4-4 ◽

2019 ◽

pp. 35-41

Author(s):

T. Savchenko ◽

L. Mynenko

Keyword(s):

Development Strategy ◽

Financial Market ◽

Financial Institutions ◽

Financial Services ◽

Banking Sector ◽

Banking System ◽

Market Participants ◽

Financial Organization ◽

Credit Bureaus ◽

National Bank

The article analyzes requirements of the National Bank of Ukraine for transparency of banks, banking groups and non-banking financial market participants. Transparency development process in the Ukrainian banking sector considered in a dynamic and in context of the EU's transparency requirements. Authors came to conclusion that the National Bank of Ukraine have to extended last achievements at banks transparency issues on activities of banking groups and to non-banking financial institutions. This conclusion based on rudiments of effective supervision of banking groups on a consolidated basis, as well as the adoption by the Verkhovna Rada of Ukraine of the Law on "Split". This law extends the National Bank's responsibility in the supervision of non-banking financial institutions (insurance, leasing, financial companies, credit unions, pawnshops and credit bureaus) since July 2020. Therefore, the National Bank should introduce new regulatory requirements to increase the transparency of banking groups and non-bank financial intermediaries. These reforms will establish uniform approaches and standards for disclosure of information on the activities of financial institutions, as well as provide the harmonization of national legislation with EU requirements. Expanding the list of public reporting information and establishing proper reporting intervals will ensure the stable functioning of the financial market and will increase the confidence in the financial system by the users of financial services. These measures will also help management of the financial organization to make informed decisions in defining their development strategy. Besides, they will provide further development of the competitive environment in the financial services industry. Keywords: transparency of banking system, transparency requirements, bank, banking group.

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Reducing Poverty and Sustaining Growth

Socio-Economic Development ◽

10.4018/978-1-5225-7311-1.ch040 ◽

2019 ◽

pp. 773-792

Author(s):

Nabila Nisha ◽

Afrin Rifat

Keyword(s):

Economic Development ◽

Developing Country ◽

Financial Institutions ◽

Low Income ◽

Financial Services ◽

Microfinance Institutions ◽

Intense Competition ◽

Development Approach ◽

Operational Structure ◽

Micro Credit

Microfinance institutions have been effective rural banking channels that extended financial services to low-income individuals, particularly women in developing country settings. Since its inception, microfinance has evolved as an economic development approach and has grown to enormous scale in Bangladesh, with a reported approximate 23 million borrowers in a country of roughly 150 million people. These numbers reveal the highest population saturation of microfinance in any country. However, with the maturity of the microfinance market in recent years, competition has subsequently increased among various financial and non-financial institutions. Against this backdrop of intense competition, this chapter aims to focus on the current institutions of Bangladesh that has made the microfinance service almost a sole option for the downtrodden segment of the low-income society. In particular, various approaches of microfinance and its operational structure by these institutions including the challenges and attributions of a dynamic micro credit concept will be highlighted.

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MODEL OF BUSINESS ACTIVITIESS OF MICROFINANCE INSTITUTIONS IN INDONESIA

Diponegoro Law Review ◽

10.14710/dilrev.2.2.2017.82-97 ◽

2017 ◽

Vol 2 (2) ◽

pp. 326

Author(s):

Etty Mulyati ◽

Kartikasari Kartikasari ◽

Rai Mantili ◽

Nun Harrieti

Keyword(s):

Financial Institutions ◽

Low Income ◽

Financial Services ◽

Limited Liability ◽

Business Development ◽

Community Empowerment ◽

Microfinance Institutions ◽

For Profit ◽

Consulting Services ◽

Purpose Of Business

Micro Finance Institutions (LKM) as non-bank financial institutions, are growing very rapidly in Indonesia. A very large number and scope of business in villages/sub-districts and sub-districts or districts can play a role in an inclusive financial program. The existence of LKM operation much help expand employment and improve the welfare and improving the economy and productivity of the people, especially low-income communities. The problem is how to model the business activities of LKM in Indonesia. This research will use normative juridical approach method, with analytical descriptive research specification. In an effort to provide financial services, which are intended for low-income communities and do not have access to bank financial institutions. LKM can bridge the problems of micro business access to capital is needed in business development. LKM has a different character with the other financial sector businesses, because it is not solely intended for profit. LKM business activities can be done in a conventional or sharia, includes loan/financing for micro enterprises for capital needs in business development, and management of deposits in an effort to bring awareness to the community's fond of saving, besides that LKM also provide consulting services for the purpose of business development community empowerment. To provide legal certainty for the LKM service user community, LKM institutions are regulated in LKM Laws, according to the law the LKM must be a legal entity of the Cooperative or Limited Liability Company Fostering, regulating, and supervising and licensing of LKM is performed by the Financial Services Authority (OJK).

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Public Private People Partnership as Tourism Development Strategy for Kepulauan Bawean

JURNAL GOVERNANSI ◽

10.30997/jgs.v6i1.2651 ◽

2020 ◽

Vol 6 (1) ◽

pp. 27

Author(s):

Dzakiyah Adalatul Hikmah ◽

Andika Maulana ◽

Arimurti Kriswibowo

Keyword(s):

Local Government ◽

Data Collection ◽

Literature Review ◽

Development Strategy ◽

Foreign Exchange ◽

Public Service ◽

Central Government ◽

Tourism Development ◽

Qualitative Descriptive ◽

Implementation Steps

Indonesia has great potentials in the field of tourism. The cumulative data of the Central Statistics Agency in January-August 2019 indicated that the number of foreign tourist visits to Indonesia reached 10.87 million visits or up 2.67 percent compared with the number of foreign tourists visiting the same period in 2018, which amounted to 10.58 million visits. These data indicate that the number of tourists continues to increase and will impact on foreign exchange income both central and regional. However, in reality, tourism potentials in the regional scope lack the spotlight for the central government, and the local government has not been able to manage it. Kepulauan Bawean saves a lot of variety of maritime tourism charm and has an amazing underwater ecological wealth in the form of a group of islands, each of which has its uniqueness. Kepulauan Bawean lies 80 miles from the mainland of Gresik Regency. The purpose of this research is to recommend a strategy for developing tourism model through public-private-people partnerships (4Ps) for Kepulauan Bawean, Gresik Regency. The method used in this research is qualitative descriptive with data collection techniques through interviews and literature review. The results of this research provide a conceptual description of 4Ps and 4Ps implementation steps for Kepulauan Bawean by using the analysis of the application of three-flow theory in the agenda setting consisting of problem stream, policy stream, and political stream. The concept of public-private-people partnership is very suitable to be applied because it involves government, private and community actors to be partner as a tourism development strategy for Kepulauan Bawean.Key words: Kepulauan Bawean, Public-Private-People Partnership, Tourism, Public Service.

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