scholarly journals ISLAMIC MICROFINANCE; DEMAND AND CHALLENGES: A CASE STUDY OF DISTRICT GHOTKI, SINDH

2018 ◽  
Vol 57 (2) ◽  
pp. 125-142
Author(s):  
Syed Ghazanfar Ahmed ◽  
Muhammad Ismile
Keyword(s):  
Developing Country ◽  
Life Style ◽  
Qualitative Method ◽  
Load Shedding ◽  
Poor People ◽  
The People ◽  
Islamic Microfinance ◽  
Vast Area

Pakistan is a developing country and it has been showed remarkable development in many areas since its foundation in 1947. However, still some issues have not been handled properly, like poverty, corruption, load shedding, water crises etc. Apart from other issues, poverty is a big issue of the country and it can be observed more or less in every province. In this paper, we have analyzed the ground situation of district Ghotki, through surveys, which is considered last district of Sindh. We tried to find the problems of poor people of district Ghotki, observed their general life style, discussed their issues and inquired about government’s role to provide the people with basic necessities of life. In this paper, mainly qualitative method is adopted to reach to best conclusion. However, partially quantitative style could also be observed, especially where concepts of Microfinance are discussed. We realized that around 40% people of the district need microfinance services and they are ready to welcome Islamic Microfinance banks, because people don’t want to opt interest based conventional microfinance services, and secondly, conventional microfinance banks don’t have capacity to cover vast area of the district.

The Local Government of Kulon Progo Regency Innovation in Subduing Capitalism through Community Empowerment

2020 ◽  
Vol 4 (2) ◽  
pp. 229
Author(s):  
Muhammad Eko Atmojo ◽  
Helen Dian Fridayani
Keyword(s):  
Qualitative Method ◽  
Positive Impact ◽  
Community Empowerment ◽  
Case Study Approach ◽  
Study Approach ◽  
The Past ◽  
The People ◽  
District Government ◽  
The Government

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.

scholarly journals UPACARA PERKAWINAN ADAT SUNDA DI KECAMATAN CICALENGKA KABUPATEN BANDUNG

2010 ◽  
Vol 2 (3) ◽  
pp. 377
Author(s):  
Aam Masduki
Keyword(s):  
Qualitative Method ◽  
Young Generation ◽  
The People ◽  
Wedding Ceremony ◽  
The One

AbstrakUpacara perkawinan adat Sunda lazimnya disebut Upacara Nikahkeun (dalam bahasa Sunda halus) atau Ngawinkeun (dalam bahasa Sunda kasar), yang artinya menikahkan atau mengawinkan. Nikah atau kawin mengandung arti bersatunya dua insan (laki-laki dan perempuan) yang disahkan secara agama dan oleh negara untuk hidup sebagai suami istri. Atau dengan kata lain, nikah adalah kesepakatan dua insan yang berlainan jenis untuk mengadakan ikatan guna membentuk keluarga atau rumah tangga untuk mencapai keluarga yang sakinah, mawadah dan warohmah. Tujuan dari penelitian ini yaitu untuk mendokumentasikan salah satu jenis upacara tradisional yang ada di Kabupaten Bandung Provinsi Jawa Barat agar orang Sunda, terutama generasi mudanya dapat mengetahui, memahami, dan menyayangi budaya sendiri. Dalam penelitian ini metode yang digunakan adalah metode deskriptif dengan pendekatan kualitatif. Adapun teknik pengumpulan data yang dipergunakan adalah observasi, wawancara, dan studi kepustakaan. Dari hasil pengkajian yang dilakukan oleh penulis, dapat disimpulkan bahwa upacara-upacara baik yang dilakukan sebelum acara pernikahan (Ngalamar, Ngeuyeuk Seureuh, Seserahan) maupun setelah pernikahan (Sawer, Ninjak Endog, Buka Pintu, Ngunduh Mantu) masih tetap dilakukan oleh masyarakat di Kabupaten Bandung. AbstractThis research is a case study about Sundanese traditional wedding ceremony that implemented in Kecamatan Cicalengka, Kabupaten Bandung. The purpose of the research is to make a documentation of it. It is very important to make such a documentation in order to make young generation know and appreciate their own culture. A qualitative method was conducted and the data were collected through observation, interview, and bibliographical study. The author came into conclusion that the people of Cicalengka remain preserving their traditional wedding ceremony, either the one that must be done before the akad nikah (the wedding pledge) or the ones that following it.

scholarly journals PENGARUH INTERVENSI PIHAK LUAR TERHADAP MODERNISASI MASYARAKAT KAMPUNG NAGA DI DESA NEGLASARI

2021 ◽  
Vol 7 (3) ◽  
pp. 541
Author(s):  
Chintia Lubis ◽  
Dinda Sophia ◽  
Farhan Dzikri ◽  
Getsemane Veronika ◽  
Giant Andreas ◽  
...  
Keyword(s):  
Cultural Values ◽  
Information Seeking ◽  
Qualitative Method ◽  
Community Intervention ◽  
Case Study Approach ◽  
Study Approach ◽  
The People ◽  
Almost All ◽  
Different Cultures

ABSTRAKModernisasi telah menjamah hampir seluruh wilayah di Indonesia, baik dikarenakan oleh semakin berkembangnya teknologi, interaksi dengan orang dengan budaya berbeda, dan lain sebagainya. Penelitian ini dilaksanakan untuk mengetahui pengaruh intervensi pihak luar terhadap modernisasi masyarakat Kampung Naga di Desa Neglasari. Sebagaimana diketahui, Kampung Naga adalah sebuah wilayah yang menutup diri dari dunia luar. Metode penelitian yang digunakan untuk mendapatkan data seakurat mungkin adalah metode kualitatif, dimana peneliti mengemas fakta dan data yang ada untuk kemudian dikembangkan sebagai jawaban atas pertanyaan, hipotesis dan teori peneliti. Pendekatan studi kasus dilakukan untuk semakin mempermudah peneliti untuk mendapatkan informasi. Dari semua aktivitas pencarian informasi yang dilakukan oleh peneliti, ditemukan pengaruh intervensi masyarakat luar terhadap masyarakat Kampung Naga. Intervensi tersebut kemudian mempengaruhi budaya dan kebiasaan masyarakat Kampung Naga, baik dari segi positif maupun negatif. Pengaruh dari intervensi pihak luar diharapkan tidak menjadikan nilai budaya yang melekat di dalam diri masyarakat Kampung Naga semakin luntur dan akhirnya hilang. ABSTRACTModernization has touched almost all regions in Indonesia, both due to the development of technology and interaction with people from different cultures. This research was conducted to determine the effect of the outside intervention on the modernization of the Kampung Naga community in Neglasari Village. As is known, Kampung Naga is an area that closes itself to the outside world.The research method used to obtain data as accurate as possible is a qualitative method, in which the researcher packages existing facts and data and then develops them as answers to the researcher's questions, hypotheses, and theories. The case study approach was carried out to make it easier for researchers to obtain information.From all information-seeking activities carried out by researchers, found the influence of outside community intervention on the people of Kampung Naga. The intervention then influenced the culture and habits of the people of Kampung Naga, both in positive and negative terms. The influence of outside intervention will not make the cultural values inherent in the people of Kampung Naga fade and eventually disappear.

scholarly journals ANALYSIS OF SOCIAL CAPITAL IN ISLAMIC MICROFINANCE

INFERENSI ◽  
2016 ◽  
Vol 10 (1) ◽  
pp. 25
Author(s):  
Ahmad Ma'ruf ◽  
Widhia Restiawati
Keyword(s):  
Social Capital ◽  
Social Networks ◽  
Statistical Analysis ◽  
Qualitative Method ◽  
Purposive Sampling ◽  
The Social ◽  
Islamic Microfinance ◽  
Descriptive Statistical Analysis

This study aims to analyze the social capital in the form of trust, social networks, and norms in Islamic Microfinance, with case study in several BMTs in Yogyakarta. In this study, sample of respondents are selected using purposive sampling. This study used a qualitative method with descriptive statistical analysis. Based on the analysis, the result is BMT has succeeded a good record on doing the social capital and trust has the highest value compared to norms and social networks. Trust becomes the most social capital variables that is widely applied in BMT. While norms become the variable that have smallest value of social capital.

Development of Islamic microfinance: a sustainable poverty reduction approach

2019 ◽  
Vol 35 (3) ◽  
pp. 143-157 ◽  
Author(s):  
Halima Begum ◽  
A.S.A. Ferdous Alam ◽  
Md Aslam Mia ◽  
Faruk Bhuiyan ◽  
Ahmad Bashawir Abdul Ghani
Keyword(s):  
Poverty Reduction ◽  
Profit Maximization ◽  
High Rate ◽  
Poor People ◽  
Ethical Practice ◽  
Poverty Level ◽  
Content Type ◽  
The People ◽  
Financial Benefits ◽  
Islamic Microfinance

Purpose Though microfinance has been working for many years as a tool to eradicate poverty from its root, most of the least developed and developing countries are yet to significantly alleviate it from the society. The purpose of this paper is to focus on Shariah-based microfinance products in the context of sustainable poverty alleviation approach and provide them financial benefits to enhance their livelihoods. Design/methodology/approach Here, this qualitative study critically analyzes the basics of the sustainable Islamic microfinance to exterminate the level of poverty. Findings Islamic microfinance is a more ethical practice than the traditional motives of profit maximization, and it encourages extending the time of repayment if the debtors are in hardship. In some case, it suggests to give charity if the creditor has capability. Research limitations/implications Most importantly, research scholars and experts have already criticized the concept of conventional microfinance on the basis of various points, especially for its high rate of interest. Social implications Islamic microfinance is provided with a view to fulfill two tools simultaneously, i.e., social and financial inclusion. In this case, credits and Zakah can be given to the extreme poor people for satisfying basic needs. In terms of social responsibility, Islam encourages the people to be soft in case of collecting the lending money. Originality/value The study discoursed that sustainable Islamic Microfinance (IM) may be a promising future option to draw the attention of the religiously sensitive people toward the Shariah-based microfinance which can, in turn, mitigate the poverty level.

scholarly journals An Estimation of Market Size for Microfinance: Study on the Urban Microentrepreneurs in Selangor, Malaysia

2015 ◽  
Vol 11 (27) ◽  
pp. 269 ◽  
Author(s):  
Salwana Hassan ◽  
Md Mahmudul Alam ◽  
Rashidah Abdul Rahman
Keyword(s):  
Developing Country ◽  
Questionnaire Survey ◽  
Urban Areas ◽  
Market Size ◽  
Microfinance Institutions ◽  
The People ◽  
Potential Market ◽  
Negative Perceptions ◽  
Islamic Microfinance ◽  
Size Data

<p>Malaysia is a fast growing developing country where majority of the people are Muslim. Due to the religious bindings, Muslim prefers <em>Shariah</em> compliant Islamic credits instead of conventional interest based credits. At the same time, non-Muslims can also consider <em>Shariah</em> compliant Islamic credit because it is considered as the ethical credit. However, still many microentrepreneurs are not receiving the <em>Shariah</em> compliant Islamic microfinance products because they have negative perceptions about the credit and interest (<em>riba). </em>Therefore, this study aims to assess the demand for microfinance among the microentrepreneurs in the State of Selangor, Malaysia and thus, determine the potential market size. Data of the study were collected based on a questionnaire survey from 550 microentrepreneurs from the urban areas of Selangor. It was found that only 12.2 per cent of them received microfinance from various microfinance institutions and banks. However, the study found that still there is potential for microfinance borrowing with around 55,000-128,000 microenterprises in Selangor, Malaysia. Therefore, Islamic microfinance institutions should try to expand their market size by promoting these potential microfinance borrowers among the existing microentrepreneurs.</p>

scholarly journals Implications of cultural commodification of sinden on authenticity of local culture: a case study in Jimbe Village, Blitar District, East Java, Indonesia

2020 ◽  
Vol 12 ◽  
pp. 290-301
Author(s):  
Andiwi Meifilina ◽  
Darsono Wisadirana ◽  
Anif Fatma Chawa ◽  
Siti Kholifah
Keyword(s):  
Qualitative Method ◽  
Musical Instruments ◽  
Local Culture ◽  
Intangible Cultural Heritage ◽  
Case Study Approach ◽  
Study Approach ◽  
The People ◽  
Cultural Commodification ◽  
The Impact

This article is a critical review of the impact of tourism that causes the commodification of local culture. Through a study in the Sinden Village in Jimbe Village, as the pioneer of the development of the Sinden art in Blitar District that has been established as pioneering village by the Tourism, Culture, Youth and Sport Services (DISPARBUDPORA) of Blitar Regency, this article attempts to discuss the cultural commodification of Sinden art as one of the Intangible Cultural Heritage. This article uses a qualitative method with a case study approach. Therefore, the data in this article was obtained by the researcher by using the interview techniques and direct observation. The findings show that the commodification of the Sinden culture does not completely change the authenticity of the Sinden culture. It is because the people of Jimbe village only commodify the supporting facilities of the Sinden culture, such as songs, the use of musical instruments, and wardrobes. Whereas, the authenticity of the Sinden culture itself is not determined by those, but rather from the delivery of messages and special singing techniques.

scholarly journals THE ROLES OF SYARIAH MICRO FINANCE INSTITUTION (LKMS) IN ELIMINATING THE POVERTY IN INDONESIA (CASE STUDY OF BAITUL MAAL WAT TAMWIL)

2018 ◽  
Vol 1 (2) ◽  
Author(s):  
Syarief Gerald Prasetya
Keyword(s):  
Financial Capital ◽  
Poor People ◽  
The People ◽  
Grass Root

In accordance with BPS data mentioning that the total of poor people in Indonesia in September 2014 had reached 27.73 (10.96%), this total was still quite big eventhough it had been decreasing from time to time eversince. It explains that there are still many people leaving under poverty limitation. The main reason is that they do not have any sufficient financial capital to do their business since most of poor people are UMKM (Small and Middle Business class) people. Therefore BMT (Baitul Maal Wat Tamwil) has appeared to help grass-root people obviously as BMT roles has been able to increase their productivity accordingly. Relating to the total of poor people which had been reducing since 2009 up to September 2014 except in September 2013 it had increased due to the increasing price of the fundamental goods needed by the people refers to the increasing price of BBM (fuel) in June 2013. As a matter of fact, it is getting along with the increasing of BMT Institutions in Indonesia so that the existency of BMT has been the most important roles in elimination of the poverty in Indonesia.

scholarly journals The Impacts of Covid-19 Pandemic on French Language Testing: Delf/Dalf in Indonesia: Case Study

2021 ◽  
Vol 317 ◽  
pp. 02025
Author(s):  
Faniry Anjarasoa Dimbilalaina ◽  
Mualimin Mualimin
Keyword(s):  
Teaching And Learning ◽  
Qualitative Method ◽  
Language Testing ◽  
Learning Processes ◽  
French Language ◽  
Language Tests ◽  
The People ◽  
Online Examination ◽  
Standardized Exams

The covid-19 pandemic outbreak has globally affected various aspects of life, including teaching and learning processes. This paper aims to identify the changes in French language examinations conducted in Indonesia during the outbreak and explore the French language testing conditions, such as the worldwide standardized exams in the French language like DELF: Diploma in the French Language and DALF: Advanced Diploma in the French language. This study employs a descriptive qualitative method by collecting the data through observations, interviews with the French Language Institution and the parties involved in teaching and learning processes, and finally, through documentation. The online version of this test is inexistent. Therefore, the results should allow DELF/DALF examination providers to think about an alternative for an online examination. As shown by the findings on the IFI Indonesia website, it can be concluded that: (1) some examinations, including the French language tests, have been cancelled, (2) the number of test-takers has reduced, (3) the people who are in charge of language testing have made efforts to redress this issue to adapt to this situation.

scholarly journals Peran dan Kerjasama Gereja Bethel Indonesia Torsina dengan Pemerintah dalam Menyejahterakan Masyarakat di daerah Olafuliha’a, Pantai Baru, Rote Ndao: Implementasi Roma 13:1-7

2021 ◽  
Vol 4 (2) ◽  
pp. 89-107
Author(s):  
Ivonne Sandra Sumual ◽  
Lois Hasudungan ◽  
Aldi Abdillah ◽  
Ferdinand Edu
Keyword(s):  
Data Analysis ◽  
Driving Force ◽  
Qualitative Method ◽  
Religious Institution ◽  
Service Program ◽  
The People ◽  
The Government ◽  
The Church ◽  
Real Action

Welfare is the main goal that must be achieved in a government system. The government is also said to be successful if there is equitable welfare and is felt by the people under its government. To achieve this goal, of course, the government cannot walk alone. There needs to be a synergy from all parties so that there must be involvement of all parts involved in a government system, one of which is the church. The church is not just a religious institution that carries out a service program for church members. Rather, more than that, the church must take real action in realizing prosperity for all levels of society, both inside and outside the church. Therefore, the church and the government need to work together to become a driving force for the creation of prosperity that is coveted by all people. This study uses a qualitative method with data analysis of the GBI Torsina Case Study in the Olafuliha'a area, Pantai Baru, Rote Ndao. The implementation in this case study departs from understanding the background of Paul's letter to the Romans in Romans 13:1-7. The results showed that GBI Torsina built good relations with the government in the context of the welfare of the wider community in the Olafuliha'a area, Pantai Baru, Rote Ndao. Cooperation is carried out in the form of policies that are harmonized together for the benefit of the wider community.AbstrakKesejahteraan merupakan tujuan utama yang harus dicapai di dalam sebuah sistem pemerintahan. Pemerintahan juga dikatakan berhasil apabila terjadi kesejahteraan yang merata dan dirasakan oleh masyarakat dibawah pemerintahannya. Untuk mencapai tujuan tersebut tentu pemerintah tidak dapat berjalan sendiri. Perlu adanya sinergi dari seluruh pihak sehingga mesti adanya pelibatan seluruh bagian yang terlibat di dalam sebuah sistem pemerintahan salah satunya adalah gereja. Gereja bukan sekedar lembaga keagamaan yang melakukan program pelayanan kepada warga gereja saja. Melainkan, lebih dari itu gereja harus memberikan aksi nyata dalam mewujudkan kesejahteraan bagi seluruh lapisan masyarakat yang ada baik di dalam maupun di luar gereja. Maka dari itu gereja dan pemerintahan perlu berjalan bersama menjadi pendorong untuk terciptanya kesejahteraan yang didambakan oleh semua masyarakat. Penelitian ini menggunakan metode kualitatif dengan analisis data Studi Kasus GBI Torsina di daerah Olafuliha’a, Pantai Baru, Rote Ndao. Implementasi dalam studi kasus ini berangkat dari pemahaman latar belakang surat Paulus kepada jemaat di Roma dalam Roma 13:1-7. Hasil Penelitian menunjukkan bahwa GBI Torsina membangun hubungan baik dengan pemerintahan dalam rangka kesejahteraan masyarakat secara luas di daerah Olafuliha’a, Pantai Baru, Rote Ndao. Kerja sama dilakukan dalam bentuk kebijakan yang diselaraskan bersama untuk kepentingan masyarakat luas

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