Pemberdayaan dan Kemiskinan: Studi Empiris Pemanfaatan Dana SPP dan UEP

Abstrak

This study evaluates implementation of society empowerment program in the East Java Province. that program is called KDP (Kecamatan Development Program). It is found that PPK has hit the target, that is poor district. The target precision is measured from physical condition oh respondent house, which is connected positively with respondent income. It means that the more lower the respondent income, the more worse their house condition. At micro level, PPK through its micro credit, enables to create av­er­age addi­­tional income 10% per year for its borrower.

This study observes a success of woman group in making use credit micro, and there is a strong Spearman relationship between frequency of the group meeting and the group default in credit. In the culture of rural society, many women are strongly demanded to take care of their domestic problems, so that they feel expensive to leave their house (let alone their village) for a long time. This role enables rural women to interact each other intensively within their group, so that social coordination within them could be realized. For a rural women with debt, running away from her group is more expensive than thinking seriously to pay her debt to her group.