Faktor-Faktor yang Memengaruhi Pemilihan Pinjaman dengan Sistem Rente di Desa Studi Kasus : Desa Panulisan Timur Kecamatan Dayeuhulur Kabupaten Cilacap (Periode Tahun 2013-2014)
Article Sidebar
Main Article Content
Abstract
Rente loan system is a loan scheme that is based on interest. This loan system is widely used by the Micro and Small Medium Enterprises (SME) notably in particular rural communities. The purpose of this study is to analyze the development process and system received rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap, and analyze the factors that affect the selection of loan seeking system. The method used in this study is a qualitative method with a case study approach. The data used is primary data obtained through observation and interviews to the villagers of the Panulisan Timur District of Dayeuhluhur Regency of Cilacap uses rente system. The study was conducted during the period December 2013 to April 2014. Number of key informants in this study were 5 people and the number of respondents 30 people. The results showed that the loan scheme growing rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap consists of the active and passive processes. The existence of internal factors such as the need for cash is urgent and external factors in the form of an easy loan terms, the availability of funds every day, disbursement fast and easy access makes the transaction rents to survive and be accepted by society.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Author(s) who published in this journal agree to following terms:
- Authors understand and agree that copyright of manuscripts published are held by Al-Muzara'ah. The statement to release the copyright to Al-Muzara'ah is stated in form CTA (link doc).
- Copyright encompass exclusive rights to reproduce, to distribute, and to sell any part of the journal articles in all form and media.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License (CC BY-SA) where Authors and Readers can copy and redistribute the material in any medium or format, as well as remix, transform, and build upon the material for any purpose, but they must give appropriate credit (cite to the article or content), provide a link to the license, and indicate if changes were made. If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
References
[Kemenag RI] Kementrian Agama Republik Indonesia. 2002. Al Quran dan Terjemahannya. Jakarta (ID): Darus Sunnah.
Amalia E. 2010. Sejarah Pemikiran Ekonomi Islam. Depok (ID): Gramata Publishing.
Ananda. 2011. Analisis Perkembangan Usaha Mikro dan Kecil Setelah Memperoleh Pembiayaan Mudharabah dari BMT At-Taqwa Halmahera di Kota Semarang [Skripsi]. Semarang (ID): Universitas Diponegoro.
Harahap A. 2012. Sejarah Kehidupan Sehari-hari Komunitas India di Medan awal abad 20 – tahun 1950an [Tesis]. Jogjakarta (ID): Universitas Gajah Mada.
Juanda B. 2009. Metodologi Penelitian Ekonomi dan Bisnis. Bogor (ID): IPB Press.
Juniarto A. 2013. Motivasi dan Perilaku Masyarakat Sekitar Hutan dalam Pengelolaan Kawasan Hutan (Kasus Kawasan Hutan Sekitar Desa Gunung Sari di Kecamatan Pamijahan, Kabupaten Bogor) [Skripsi]. Bogor (ID): Institut Pertanian Bogor.
Kartono DT. 2004. Pasar Modal Tradisional (Analisis Sosiologi Ekonomi terhadap Rentenir) [jurnal]. Surakarta (ID): Universitas Sebelas Maret.
Miles MB, Huberman AM. 1992. Analisis Data Kualitatif. Rohidi TR, penerjemah. Depok (ID): UI Press. Terjemahan dari: Qualitative Data Analysis.
Oktavi S. 2009. Analisis Faktor-Faktor yang Memengaruhi Pengambilan Pembiayan dan Efektivitas Pembiayaan Usaha Kecil Pada Lembaga Keuangan Mikro Syariah (Studi Kasus: KJKS BMT Bina Umat Sejahtera, Lasem, Jawa Tengah) [Skripsi]. Bogor (ID): Institut Pertanian Bogor.
Puspitasari H. 2012. Akses UMKM Terhadap Pembiayaan Mikro Syariah dan Dampaknya Terhadap Perkembangan Usaha (Kasus: BMT Tadbiirul Ummah, Kabupaten Bogor) [Skripsi]. Bogor (ID): Institut Pertanian Bogor.
Supriatna A. 2003. Aksesibilitas Petani Kecil Pada Sumber Kredit Pertanian Di Tingkat Desa: Studi Kasus Petani Padi Di Nusa Tenggara Barat. Nusa Tenggara Barat (ID).
Widiyanto, Mutamimah, Hendar. 2011. Effectiveness of Qard Al-Hasan Financing As a Poverty Alleviation Model. Economic Journal of Emerging Market.
Zeller M, Meyer RL. 2002. The Triangle of Microfinance: Financial Sustainability, Outreach, and Impact. IFPRI International Food Policy Research Institute.