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"[ABSTRAKSaat ini industri keuangan mikro sebagai alat bagi keuangan inklusifberkembang dengan dua pendekatan yang berbeda yaitu Financial LendingApproach dan Poverty Lending Approach. Perbedaan paling kontras dari keduanyaadalah sasaran penerima kreditnya. Poverty Lending Approach mengkhususkandirinya untuk menyalurkan kredit kepada orang miskin seperti Lembaga KeuanganMikro yang mereplika pola Grameen Bank. Sedangkan Financial LendingApproach memberi akses untuk masyarakat miskin, namun tidak menargetkannyasecara khusus, pendekatan ini lebih menjaga kesinambungan keuangannyasehingga sasaran mereka bukan orang miskin seperti yang dilakukan perbankan.Tesis ini meneliti Poverty Lending Approach yang dilakukan oleh salah satuLembaga Keuangan Mikro di Indonesia yaitu PT. Mitra Bisnis Keluarga Ventura(MBK). Studi Kasus dilakukan di Kabupaten Tangerang, tepatnya KecamatanPakuhaji, Sukadiri dan Sepatan. Tujuannya adalah ingin menganalisis apakahpenyaluran kredit mikro dengan pola Grameen Bank yang dilakukan oleh PT. MitraBisnis Keluarga Ventura (MBK) berdampak terhadap pendapatan usahanasabahnya. Pendapatan usaha merupakan salah satu langkah untuk meningkatkanpendapatan rumah tangga. Dengan menggunakan metode instrumental variable danmelakukan wawancara mendalam dengan para nasabah. Hasil studi menunjukkanbahwa pemberian kredit yang diberikan oleh PT. Mitra Bisnis Keluarga Ventura(MBK) dengan pola grameen bank berdampak signifikan terhadap peningkatanpendapatan usaha nasabahnya.

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ABSTRACTMicrofinance, which nowadays has become a tool for development of financialinclusion, has two different approaches. These two approaches are FinancialSystem Lending and the Poverty Lending Approach. The most pronounceddifferences between these approaches are their credit?s beneficiaries. The PovertyLending Approach has the speciality to extend its credit the poor. This approachwas replicated from the model of the Microfinance Institution Grameen Bank. TheFinancial Lending Approach, in turn, is special for maintaining financialsustainability. This approach also provides access for the poor, but it is aimed notonly for the poor in poor areas but also in other areas. It does not havemicrofinance institution?s branches like Poverty Lending Approach?s model. Thisresearch examines the Poverty Lending Approach?s model carried out by PT. MitraBisnis Keluarga Ventura, a large Microfinance Institution in Indonesia. Theresearch?s case study was conducted in Tangerang District in the SubdistrictsPakuhaji, Sukadiri and Sepatan. The aim of this research is to analyze whether themicrocredit extended by PT. Mitra Bisnis Keluarga (MBK), which replicates theGrameen Bank model, has a significant impact on the income of its clients. Clients?business income is a measurements of household income. Using a survey methodwith in-depth client interviews, the data analysis employs an instrumental variablesmethod. The results show that credits granted by PT. Ventura Family BusinessPartners (MBK), operating under the Grameen Banks model, have a significantpositive impact on the income of its clients.;Microfinance, which nowadays has become a tool for development of financialinclusion, has two different approaches. These two approaches are FinancialSystem Lending and the Poverty Lending Approach. The most pronounceddifferences between these approaches are their credit?s beneficiaries. The PovertyLending Approach has the speciality to extend its credit the poor. This approachwas replicated from the model of the Microfinance Institution Grameen Bank. TheFinancial Lending Approach, in turn, is special for maintaining financialsustainability. This approach also provides access for the poor, but it is aimed notonly for the poor in poor areas but also in other areas. It does not havemicrofinance institution?s branches like Poverty Lending Approach?s model. Thisresearch examines the Poverty Lending Approach?s model carried out by PT. MitraBisnis Keluarga Ventura, a large Microfinance Institution in Indonesia. Theresearch?s case study was conducted in Tangerang District in the SubdistrictsPakuhaji, Sukadiri and Sepatan. The aim of this research is to analyze whether themicrocredit extended by PT. Mitra Bisnis Keluarga (MBK), which replicates theGrameen Bank model, has a significant impact on the income of its clients. Clients?business income is a measurements of household income. Using a survey methodwith in-depth client interviews, the data analysis employs an instrumental variablesmethod. The results show that credits granted by PT. Ventura Family BusinessPartners (MBK), operating under the Grameen Banks model, have a significantpositive impact on the income of its clients.;Microfinance, which nowadays has become a tool for development of financialinclusion, has two different approaches. These two approaches are FinancialSystem Lending and the Poverty Lending Approach. The most pronounceddifferences between these approaches are their credit?s beneficiaries. The PovertyLending Approach has the speciality to extend its credit the poor. This approachwas replicated from the model of the Microfinance Institution Grameen Bank. TheFinancial Lending Approach, in turn, is special for maintaining financialsustainability. This approach also provides access for the poor, but it is aimed notonly for the poor in poor areas but also in other areas. It does not havemicrofinance institution?s branches like Poverty Lending Approach?s model. Thisresearch examines the Poverty Lending Approach?s model carried out by PT. MitraBisnis Keluarga Ventura, a large Microfinance Institution in Indonesia. Theresearch?s case study was conducted in Tangerang District in the SubdistrictsPakuhaji, Sukadiri and Sepatan. The aim of this research is to analyze whether themicrocredit extended by PT. Mitra Bisnis Keluarga (MBK), which replicates theGrameen Bank model, has a significant impact on the income of its clients. Clients?business income is a measurements of household income. Using a survey methodwith in-depth client interviews, the data analysis employs an instrumental variablesmethod. The results show that credits granted by PT. Ventura Family BusinessPartners (MBK), operating under the Grameen Banks model, have a significantpositive impact on the income of its clients., Microfinance, which nowadays has become a tool for development of financialinclusion, has two different approaches. These two approaches are FinancialSystem Lending and the Poverty Lending Approach. The most pronounceddifferences between these approaches are their credit’s beneficiaries. The PovertyLending Approach has the speciality to extend its credit the poor. This approachwas replicated from the model of the Microfinance Institution Grameen Bank. TheFinancial Lending Approach, in turn, is special for maintaining financialsustainability. This approach also provides access for the poor, but it is aimed notonly for the poor in poor areas but also in other areas. It does not havemicrofinance institution’s branches like Poverty Lending Approach’s model. Thisresearch examines the Poverty Lending Approach’s model carried out by PT. MitraBisnis Keluarga Ventura, a large Microfinance Institution in Indonesia. Theresearch’s case study was conducted in Tangerang District in the SubdistrictsPakuhaji, Sukadiri and Sepatan. The aim of this research is to analyze whether themicrocredit extended by PT. Mitra Bisnis Keluarga (MBK), which replicates theGrameen Bank model, has a significant impact on the income of its clients. Clients’business income is a measurements of household income. Using a survey methodwith in-depth client interviews, the data analysis employs an instrumental variablesmethod. The results show that credits granted by PT. Ventura Family BusinessPartners (MBK), operating under the Grameen Banks model, have a significantpositive impact on the income of its clients.]"

"ABSTRAKGrameen Bank merupakan sebuah konsep perbankan yang berbeda dengan perbankan konvensional yang berasal dari Bangladesh. Di Indonesia, terdapat beberapa Bank yang mereplikasi konsep tersebut, salah satunya adalah Bank X. Penulis akan menjelaskan lalu membandingkan konsep Grameen Bank di Bangladesh dan penerapannya di Bank X, lalu menganalisis tanggung jawab dan hubungan hukum dari kedua Bank tersebut. Untuk dapat melihat hal tersebut, penulis menggunakan metode penelitian yuridis normatif-empiris, jadi penulis menggunakan studi dokumen berupa data sekunder seperti peraturan perundang-undangan dokumen resmi, dan buku. Berdasarkan hasil yang didapat, terdapat perbedaan dalam pelaksaan konsep Grameen Bank antara Bangladesh dan Indonesia, selain itu tanggung jawab hukum serta hubungan hukum antara bank dan nasabah juga berbeda. Hal tersebut didasari oleh beberapa faktor, terutama perbedaan aturan terkait Perbankan di dua negara tersebut.

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ABSTRACT Grameen Bank is an unconventional method of banking that was founded in Bangladesh. There are few bank in Indonesia that has replicated the Grameen Bank concept, one of them is Bank X. The writer will explain and compare the Grameen Bank concept application in Bangladesh and Bank X, then analyze its legal liability and relationship with customer. To get to that point, the writer is using juridicial normative empirical research method, so the writer is doing document studies with secondary data such as law regulations, official document and books. The conclusion of this study is that there are some difference between Bangladesh and Indonesia in terms of Grameen Bank concept application. The legal liability and relationship with customer between Grameen Bank and Bank X is also different. It is caused by some factor including the regulation about banking that is different between Bangladesh and Indonesia."

"Kredit mikro merupakan salah satu strategi yang muncul akibat adanya kesenjangan antara pemberi modal dan calon penerima modal. Program kredit mikro diharapkan dapat menjadi sebuah tangan panjang dari para pemilik modal kepada penerima modal. Program kredit mikro diharapkan dapat menjadi sebuah alternatif dalam usaha pemberdayaan masyarakat. Di negara-negara berkembang, kredit mikro merupakan salah satu strategi yang komprehensif dalam usahanya memberdayakan perempuan dan penanggulangan kemiskinan. Salah satu mekanisme kredit mikro adalah Grameen Bank, yang diadopsi serta diadaptasi oleh lembaga keuangan di Indonesia Meskipun telah ada mekanisme serupa di Indonesia, adopsi dan adaptasi sistem Grameen Bank dilakukan pemberdaya dalam upaya menerapkan program-program kredit mikro yang telah berhasil dilakukan sebelumnya di negara lain. Pengadopsian program kredit mikro di negara lain tentu memiliki perbedaan terutama dalam pemaknaan terhadap visimisi pemberdayaan itu sendiri terkait dengan budaya profit oriented yang lebih dulu ada. Tulisan ini merupakan sebuah analisa deskriptif menggunakan metode kualitatif dengan kerangka sosiologi ekonomi dan jender. Tulisan ini menekankan pada beberapa hal yang perlu dilihat dari program pemberdayaan perempuan melalui kredit mikro yang diadopsi dari negara lain yakni : perbedaan karakter lembaga keuangan, aplikasi dari sistem kredit yang diadopsi dan diadaptasi oleh lembaga keuangan dan pengetahuan makna pemberdayaan melalui kredit mikro yang dimiliki pemberdaya dalam upaya mendukung keberlangsungan program pemberdayaan perempuan melalui kredit mikro. ......Microcredit is one of the strategies arising from the gap between financiers and prospective recipients of capital. Microcredit program is expected to be a long hand of the owners of capital to the recipient of capital. Microcredit program is expected to be an alternative in the community empowerment efforts. In developing countries, microcredit is one of a comprehensive strategy in its efforts to empower women and reduce poverty. One mechanism is the Grameen Bank micro-credit, which was adopted and adapted by financial institutions in Indonesia Although there has been a similar mechanism in Indonesia, adoption and adaptation of the Grameen Bank system performed empowerment in an effort to implement microcredit programs that have successfully done before in other countries. Adoption of microcredit programs in other countries certainly differ mainly in the interpretation of the vision-mission of empowerment itself is related to profit-oriented culture is much older then. This paper is a descriptive analysis using qualitative methods with a framework of economic sociology and gender. This paper emphasizes on some things that need to be viewed from women's empowerment through micro credit are adopted from other countries namely: differences in the character of financial institutions, the application of the credit system was adopted and adapted by financial institutions and knowledge of the meaning of empowerment through microcredit owned empowerment in efforts to support the sustainability empowerment of women through microcredit."

"Tesis ini membahas mengenai proses pemberdayaan perempuan melalui kredit mikro sistem Grameen Bank yang dilaksanakan oleh KMUM Cabang Jatiragas Karawang, Jawa Barat. Tujuannya adalah untuk menggambarkan proses pemberdayaan perempuan melalui kredit mikro sistem Grameen Bank dan faktorfaktor yang mendukung dan menghambat proses pemberdayaan perempuan tersebut. Lokasi penelitian ini dilakukan di 3 desa, yaitu Desa Barugbug, Situdam dan Jatiwangi yang berada dalam lingkup Kecamatan Jatisari Karawang. Tiga desa ini dipilih karena dapat mewakili karakter anggota KMUM Jatiragas. Teknik pemilihan informan dilakukan dengan cara purposive sampling berdasarkan kriteria-kriteria tertentu. Studi literatur, wawancara mendalam dan pengambilan foto-foto untuk memperkaya data yang diperoleh melalui wawancara dalam pengumpulan data. Hasil penelitian ini menggambarkan perempuan anggota KMUM Cabang Jatiragas, Karawang dikatakan berdaya jika: (1) usaha yang dijalankan mengalami kemajuan, (2) berkembangnya jenis usaha menjadi beragam, (3) bertambahnya aset yang dimiliki, (4) semakin meningkatnya kesejahteraan komunitas yang tergabung sebagai anggota KMUM Cabang Jatiragas Karawang. ......This thesis discussed on the process of women empowerment through micro credit using Grameen Banks System, which is managed by Koperasi Mitra Usaha Mandiri (KMUM) Branch of Jatiragas Karawang, West Java. It was aimed to describe women empowerment process through micro credit using Grameen Bank System and to the factors that support and blockage in the process of women empowerment. Purposive sampling was used in selecting informants based on certain criteria. Data collection used literature study, in depth interview and taken some pictures to enrich data. This research was conducted in 3 villages because the characters of members were various which were represented all members. They were involved as informants purposively because they knew and felt the benefit of becoming KMUM members. The result described that women empowerment were seen as the effect of joining in micro credit with Grameen Bank System were: (1) the business they run was succeed, (2) business commodities were various and expand to others, (3) the assets were increased, and (4) the community who joining in KMUM Cabang Jatiragas Karawang can increase their family welfare, especially in economy?s life. "

"ABSTRAKKredit mikro merupakan salah satu strategi yang muncul akibat adanyakesenjangan antara pemberi modal dan calon penerima modal. Program kreditmikro diharapkan dapat menjadi sebuah tangan panjang dari para pemilik modalkepada penerima modal. Program kredit mikro diharapkan dapat menjadi sebuahalternatif dalam usaha pemberdayaan masyarakat. Di negara-negara berkembang,kredit mikro merupakan salah satu strategi yang komprehensif dalam usahanyamemberdayakan perempuan dan penanggulangan kemiskinan. Salah satumekanisme kredit mikro adalah Grameen Bank , yang diadopsi serta diadaptasioleh lembaga keuangan di Indonesia Meskipun telah ada mekanisme serupa diIndonesia, adopsi dan adaptasi sistem Grameen Bank dilakukan pemberdayadalam upaya menerapkan program?program kredit mikro yang telah berhasildilakukan sebelumnya di negara lain. Pengadopsian program kredit mikro dinegara lain tentu memiliki perbedaan terutama dalam pemaknaan terhadap visimisipemberdayaan itu sendiri terkait dengan budaya profit oriented yang lebihdulu ada. Tulisan ini merupakan sebuah analisa deskriptif menggunakan metodekualitatif dengan kerangka sosiologi ekonomi dan jender . Tulisan inimenekankan pada beberapa hal yang perlu dilihat dari program pemberdayaanperempuan melalui kredit mikro yang diadopsi dari negara lain yakni : perbedaankarakter lembaga keuangan, aplikasi dari sistem kredit yang diadopsi dandiadaptasi oleh lembaga keuangan dan pengetahuan makna pemberdayaanmelalui kredit mikro yang dimiliki pemberdaya dalam upaya mendukungkeberlangsungan program pemberdayaan perempuan melalui kredit mikro.

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AbstractMicrocredit is one of the strategies arising from the gap between financiersand prospective recipients of capital. Microcredit program is expected to be along hand of the owners of capital to the recipient of capital. Microcredit programis expected to be an alternative in the community empowerment efforts. Indeveloping countries, microcredit is one of a comprehensive strategy in its effortsto empower women and reduce poverty. One mechanism is the Grameen Bankmicro-credit, which was adopted and adapted by financial institutions in IndonesiaAlthough there has been a similar mechanism in Indonesia, adoption andadaptation of the Grameen Bank system performed empowerment in an effort toimplement microcredit programs that have successfully done before in othercountries . Adoption of microcredit programs in other countries certainly differmainly in the interpretation of the vision-mission of empowerment itself is relatedto profit-oriented culture is much older then. This paper is a descriptive analysisusing qualitative methods with a framework of economic sociology and gender.This paper emphasizes on some things that need to be viewed from women'sempowerment through micro credit are adopted from other countries namely:differences in the character of financial institutions, the application of the creditsystem was adopted and adapted by financial institutions and knowledge of themeaning of empowerment through microcredit owned empowerment in efforts tosupport the sustainability empowerment of women through microcredit."

"Tujuan dari tugas akhir ini adalah untuk melihat praktik manajemen risiko kredit Koperasi X berdasarkan Grameen Bank dan efektivitas manajemen risiko Koperasi X berbasis RIMS. Penelitian ini adalah penelitian kualitatif yakni penulis melakukan wawancara, dokumentasi dan observasi ke kantor cabang. Hasil penelitian menunjukkan manajemen risiko yang dilakukan oleh Koperasi X memiliki persamaan dan perbedaan dengan teori Grameen Bank yang memiliki dampak positif dan negatif bagi Koperasi X. Efektivitas manajemen risiko yang dimiliki oleh Koperasi X mendapatkan level 2 yang berarti kurang efektif. Hal ini menandakan manajemen risiko yang sudah di rancangkan masih perlu beberapa perbaikan.......The aim of this thesis is to examine the practice of cooperative X credit risk management based on Grameen Bank and the effectiveness of RIMS-based Cooperative Risk Management. The authors performed interviews, documentation, and observations at the branch office for this qualitative study. The findings revealed that risk management crried out by Cooperative X has similirities and differences with the Grameen Bank theory which has poritive and negative impacts on Cooperative X. Cooperative X's risk management effectiveness receives a score of 2, indicating that it is repeatable and less effective at entering level 2. This indicates that the risk management that has been designed still needs some improvement."

"Penelitian ini membahas pera pendamping kelompok binaan dalam penyaluran kredit mikro. Penelitian dilakukan di lembaga Baituttamkin Madani Tazkia unit Babakan Madang, Kabupaten Bogor dengan subjek penelitian field officer (FO). Penelitian ini menggunakan metode kualitatif dengan jenis deskriptif. Hasil penelitian menunjukan bahwa FO dominan menjalani peran fasilitatif dimana hal tersebut memang menjadi tugas dari seorang FO terutama dalam memfasilitasi kelompok. Selain itu dalam menjalankan peran edukatif, jika dilihat dari jobdescnya FO tidak begitu dominan karena beberapa peran lebih banyak dilakukan oleh Senior Field Officer (SFO). Untuk peran teknis, FO menunjukan peran meneliti yang menonjol ketika FO melakukan survey uji kelayakan terhadap calon anggota. Peran representatif belum cukup menonjol disebabkan oleh keterbatasan SDM.

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This thesis discusses the roles of group facilitator in micro-credit distribution as a woman empowerment effort. The study was conducted at Baituttamkin Madani Tazkia Babakan Madang unit in Bogor. The subjects of research are field officers (FO). This study uses qualitative methods with descriptive design. The results showed that the predominant role of FO is a facilitative role that corresponds with the duty of an FO to facilitate group activities. On the other hand, FO has a weak educational role compare to Senior Field Officer (SFO) based on the job description. FOs technical roles enable them to have a prominent research role in conducting feasibility surveys for prospective members. The representative role of FO has not been distinguished due to human resource limitations."