POTENSI MODAL SOSIAL MASYARAKAT DAERAH PASCA BENCANA DI KABUPATEN PONOROGO (INISIASI MODEL AGUNAN ALTERNATIF BERBASIS MODAL SOSIAL)
Abstract Natural disasters not only result in infrastructure losses, but also have an impact on education, social, cultural and economic. In the economic, special attention in efforts to revive the agricultural sector and UMKM of the affected communities was the focus of priority studies. This is...
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| Format: | Article |
| Language: | Indonesian |
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Fakultas Ekonomi dan Bisnis Islam
2020-06-01
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| Series: | I-Economics: A Research Journal on Islamic Economics |
| Online Access: | http://jurnal.radenfatah.ac.id/index.php/ieconomics/article/view/5328 |
| Summary: | Abstract
Natural disasters not only result in infrastructure losses, but also have an impact on education, social, cultural and economic. In the economic, special attention in efforts to revive the agricultural sector and UMKM of the affected communities was the focus of priority studies. This is because the two sectors have a significant role in the economy. This condition raised hopes for the banking and other financial institutions to make a positive contribution. However, in reality, the agriculture sector and UMKM have not been able to access some of the types of financing provided because there are several funds that require the availability of collateral that is material and difficult to fulfill. Therefore, it is necessary to have creative and innovative efforts based on the spirit of humanity related to alternative collateral models that are immaterial, that is based on social capital. Through a qualitative descriptive method and using a phenomenological approach, this research seeks to explore the potential power of the community (bottom-up process) in the economic development of areas affected by natural disasters. It is hoped that this research can produce data/ information that is useful for implementing a participatory development system based on local strengths.
Keywords: Alternative Collateral, Financing, Social Capital, Economic Awakening, Agriculture, UMKM, Post-Disaster Areas
Abstrak
Bencana alam selain berakibat pada kerugian infrastruktur, juga berdampak pada bidang pendidikan, sosial, budaya dan ekonomi. Di bidang ekonomi, perhatian khusus dalam upaya membangkitan kembali sektor pertanian dan UMKM masyarakat yang terdampak bencana menjadi fokus kajian prioritas. Hal ini dikarenakan dua sektor tersebut memiliki peran yang signifikan dalam perekonomian. Kondisi tersebut kemudian memunculkan harapan kepada dunia perbankan dan lembaga keuangan lainnya untuk memberikan kontribusi positif. Namun kenyataannya, sektor pertanian dan UMKM ternyata belum mampu mengakses beberapa jenis pembiyaan yang disediakan karena ada beberapa pembiayaan yang mengharuskan tersedianya jaminan/ agunan yang bersifat material dan sulit dipenuhi. Oleh karena itu perlu adanya usaha kreatif dan inovatif yang berlandaskan spirit kemanusiaan terkait model agunan alternatif bersifat immaterial, yakni berbasis pada modal sosial (capital social). Melalui metode deskriptif kualitatif dan menggunakan pendekatan fenomenologis, penelitian ini berupaya menelusuri potensi kekuatan masyarakat (bottom-up proses) dalam pembangunan ekonomi wilayah terdampak bencana alam. Diharapkan penelitian ini dapat menghasilkan data/ informasi yang berguna untuk mengimplementasikan sebuah sistem pembangunan yang partisipatif berbasis kekuatan lokal.
Kata Kunci: Agunan Alternatif, Pembiayaan, Modal Sosial, Kebangkitan Ekonomi, Pertanian, UMKM, Daerah Pasca Bencana |
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| ISSN: | 2548-5601 2548-561X |