Program PEMP KKP bertujuan meningkatkan kesejahteraan masyarakat pesisir melalui penguatan Lembaga Keuangan Mikro (LKM), serta penggalangan partisipasi masyarakat berbasis sumber daya lokal. Program tersebut dirancang menggunakan pendekatan kelembagaan, yakni dengan membangun Koperasi Lembaga Ekonomi Pengembangan Pesisir - Mikro Mitra Mina (LEPP-M3). Salah satu kegiatannya adalah Swamitra Mina yang bermitra dengan Bank Bukopin. Cilincing dan Muara Gembong merupakan lokasi penerima program PEMP. Cilincing dan Muara Gembong mempunyai karekteristik yang sama yaitu wilayahnya berada di pantura, sebagian besar penduduknya berasal dari jawa, mempunyai permasalahan kredit macet yang dipengaruhi oleh cuaca yang buruk, serta permasalahan rentenir. Namun kredit bermasalah yang terjadi di Swamitra Mina Pantura Jaya lebih kecil dibandingkan dengan Swamitra Mina Mitra Usaha. Penelitian ini bertujuan menganalisis proses faktor-faktor yang menjadi pendukung dan kendala di 2 swamitra mina, menganalisis dampak program PEMP terhadap peningkatan kesejahteraan, dan memberikan masukan/rekomendasi untuk perbaikan program di 2 swamitra mina tersebut, melalui analisis kualitatif dan analisis SWOT. Penelitian ini menggambarkan karakteristik masyarakat Cilincing dan Muara Gembong, serta menguraikan kinerja Swamitra Mina Pantura Jaya dan Swamitra Mina Mitra Usaha. Selanjutnya dilakukan identifikasi permasalahan, penentuan skala prioritas permasalahan berdasarkan pohon masalah, kemudian menentukan alternatif solusi yang dianalisa dengan SWOT untuk didapatkan solusi terbaik. Berdasarkan hasil penetapan solusi terbaik maka diusulkan rekomendasi dengan membuat skenario action plan. Rekomendasi tersebut adalah penyelesaian kredit bermasalah melalui rescheduling, reconditioning, dan restructuring.
This thesis has aim generally to analyze the implementation of Economic Empowerment for Coastal Community (PEMP) Program by describing, identifying and analyzing the project recipients, Swamitra Mina Pantura Jaya and Swamitra Mina Mitra Usaha. PEMP Program which was initiated by the Ministry of Marine Affairs and Fisheries Republic of Indonesia conducted with purpose to increase coastal community welfare through empowering Micro Finance Institution (LKM) and enhancing community?s participation in economic activites by using local resources. This program has employed institutional-based approach by establishing a Cooperative institution namely Koperasi Lembaga Ekonomi Pengembangan Pesisir - Mikro Mitra Mina (LEPP-M3) which together with Bank Bukopin launched Swamitra Mina sheme. Cilincing and Muara Gembong as recipent location have a same condition as follows: located along north java seaside, predominantly with small scale and seasonal fisher's from javanese ethnic, and have a longtime problem with rentenir (lender money). All these factors have considerable role in creating credit problem although, based on the observation, credit problem in Swamitra Mina Pantura Jaya Group is smaller than Swamitra Mina Mitra Usaha. This thesis has purposes i.e: (i) to analyze factors that have contribution to the credit problem of these two group of fisheres (ii) to analyze the impact of PEMP Program to the community welfare and (iii). To provide recommmendation for the project implementation improvement. In achievening the purposes, this thesis will emply SWOT analysis. At the outset, this thesis identify the problem and prioritize the problem scale by using problem tree. Best alternative solutions will be determined by using SWOT. Based on the study, the best solution recommended to overcome fishers? credit problem is to make action plan which consider rescheduling, reconditioning, and restructuring as problem solving. |
