Abrista Devi & Aam S. Rusydiana
The
lack of capital access from poor society to Indonesia banking is greater. These
all are caused by poor society don’t
have enough collateral which is requested by bank officer to get loan. Non-bank financial institution is one of micro-financial
institution which has covered all
of poor society and also maximizing the existency of UMKM, include social model credit capital (GLM).
The
aim of this study to see the form of Group Lending Model (GLM) and its’ impact
to their members social structure. This researce also tries to give the
solutions such as the first GLM development strategy in other to be more
effective and efficient. The methods used are Structural Equetion Modeling
(SEM) and Interpretaive Structural Modeling.
Based
on the measurement of some indicators there are the participation indext of
society, society development, good repayment rate, good cross reporting, and
penalty implications appropriate with the
regulations. The results show that GLM programme, the society feel the
differenciation from the economic and social condition between before and after following this programme. This is valuable invention for
economic studies.
GLM
development strategy are devided into 7 levels with its important elements are
: the needy of similiarity fund access for all of financial institution. The
needy of human resource quality development as the
pioneer of group lending model, and the importance of inclusive financial to
all financial system.
Keywords:
Group Lending Model, Inclusive Financial, Structural Equation Model (SEM),
Interpretative Structural Modeling (ISM), Islamic Empowerment
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