Summary: | This study aims to understand: (1) SMS member�s asset condition, (2) SMS
member�s income sources and their contribution toward total household income, and (3)
the role of SMS (loan) in increasing member�s household income. Descriptive analytical
method was used as the basic method in this study. A well-structured interview schedule
was conducted to collect data from the respondents and analysed using percentages,
means, and t-test analysis. Cross-tab analysis was used to analyse household�s asset and
income. Paired t-test was examined to know whether or not SMS takes a role in
increasing household income. Purposive sampling method was applied to decide the
study area while simple random sampling was employed to choose the respondents.
Thirty respondents were taken as the sample of farmers. This study concludes that SMS
member gain average household asset and annual income about Rp65,585,300 and Rp
13,634,583 respectively. The asset came from property, vehicle, electronic goods, and
land. While the income came from on-farm, off-farm, and non-farm activity. Paired ttest
showed that SMS takes a role in increasing member�s household income through
goat loan programme. This loan can improve member�s household income by 3.64%.
On the other hand, cash loan does not increase member�s household income by not
giving additional income. Cash loan users allocate this loan only for daily consumption
and asset expansion. Despite of their different role, both loans are considered as
important aids to improve members� financial situation.
|