Tugas 2 bulan januari Credit union
CREDIT UNION
IMPACT ON WOMEN EMPOWERMENT IN KALIMANTAN
Assessing the key success factors in implementing gender equality and women's empowerment .
The existence Credit Union ( CU ) has been able to deceive the family of women in economic activities , where most of the credits earned by women , especially in rural areas has been used and utilized to improve their business , either new business or old business , which is evident from their opinion that this should increase revenues . The resulting increase in revenue used to grow the business back , to improve children 's school fees thereby increasing the level of education and welfare standards , purchase of household furniture , adding the purchase of vehicles used to facilitate their efforts to renovate the house and a small portion is used for daily needs day or consumptive .
By becoming a member of the CU that they really feel the positive effects that feels more confident because they feel could help the family needs or to increase the family income .
Keywords : credit unions , women's empowerment , entepreneurship
MFIs have a positive impact to approximately 8 million people , of whom 90 % are women . Borrowers most of the work themselves , and they do a lot of activities that generate revenue . In addition , the MFI has created employment for about 70,000 people , about 20 % of whom are women . The industry has been successful . Microcredit is a high level of claims from borrowers , more than 95 % . ( Kaniz Fahmida Ahmed , 2010)
Positive impact of micro-credit and micro-credit major benefits of are:
( a) increase family income and quality of life , and as women represent 90 % of the borrowers , their contribution is important
( b ) promote the habit of savings among poor women borrowers
( c ) has been raising awareness and women are empowered to contribute to socio - economic activities are diverse and
( d ) has encouraged women to take an active role in the politics of Bangladesh
The power of microcredit lies in its ability to regulate the employment of women unemployed into productive with their credit proved It is believed that 25 million people around the world are now using micro-credit to increase income or entrepreneurial activity and the 90 % are women .
The scope of the credit union , there are 3 elements in it :
( 1 ) Banking if the daily banking and savings products in the world that is known deposits ( deposits ) , it is the same case with the credit union . Even in the credit union is able to provide greater interest than banks . In general , credit unions under the auspices of the Agency Coordinating Credit Union Credit Union Central Kalimantan and Equatorial provide savings of up to 14 % interest .
( 2 ) Cooperative is a major breath agency is called the credit union . The elements and the values contained in the cooperative so thick in the credit union organization .
( 3 ) Insurance polish themselves into a cooperative institution that carries the values and elements contained in the insurance . Concerns agencies in protecting its members , either in the form of deposits or loans . In addition , internally creating a similar product known as solidarity .
theory that the credit union or credit union , or commonly abbreviated as CU is a financial institution engaged in the savings and loan owned and managed by its members , and which aims to create wealth for its own members . Credit Union has three main principles , namely :
1 ) the principle of self-help ( savings only from its members ) ;
2 ) the principle of loyal friends ( loans are only given to members ) and
3 ) the principles of education and awareness ( build character is paramount , only good character that can receive a loan ) . The concept of CU are the ones who become members must pay dues , savings , and savings .
Objectives :
1 . Assessing the benefits of Credit Union in improving the situation of the beneficiaries ( rural women ) from the standpoint of economic , social , cultural and psychological harm .
2 . Assessing the key success factors in implementing gender equality and women's empowerment .
Aspects include the dignity of human dignity , human energy potential or even attached individually . Human dignity is the ultimate goal or the end result . Not only the end goal / outcome , but also the key and core .
Empowerment includes physical , intellectual , economic , political , and cultural , thus empowering it covers the whole of human development .
Participatory aspect that requires the participation of all parties in developing empowerment , both from the government , the perpetrators and implementers .
Program success will only be realized when all can participate according to their abilities and skills .
Fair aspects of patterns in which the results of this empowerment can be enjoyed by all without restriction or how much their contributions. Justice is an element and the main purpose of this empowerment .
Assessing the key success factors in implementing gender equality and women's empowerment .
The existence Credit Union ( CU ) has been able to deceive the family of women in economic activities , where most of the credits earned by women , especially in rural areas has been used and utilized to improve their business , either new business or old business , which is evident from their opinion that this should increase revenues . The resulting increase in revenue used to grow the business back , to improve children 's school fees thereby increasing the level of education and welfare standards , purchase of household furniture , adding the purchase of vehicles used to facilitate their efforts to renovate the house and a small portion is used for daily needs day or consumptive .
By becoming a member of the CU that they really feel the positive effects that feels more confident because they feel could help the family needs or to increase the family income .
Keywords : credit unions , women's empowerment , entepreneurship
MFIs have a positive impact to approximately 8 million people , of whom 90 % are women . Borrowers most of the work themselves , and they do a lot of activities that generate revenue . In addition , the MFI has created employment for about 70,000 people , about 20 % of whom are women . The industry has been successful . Microcredit is a high level of claims from borrowers , more than 95 % . ( Kaniz Fahmida Ahmed , 2010)
Positive impact of micro-credit and micro-credit major benefits of are:
( a) increase family income and quality of life , and as women represent 90 % of the borrowers , their contribution is important
( b ) promote the habit of savings among poor women borrowers
( c ) has been raising awareness and women are empowered to contribute to socio - economic activities are diverse and
( d ) has encouraged women to take an active role in the politics of Bangladesh
The power of microcredit lies in its ability to regulate the employment of women unemployed into productive with their credit proved It is believed that 25 million people around the world are now using micro-credit to increase income or entrepreneurial activity and the 90 % are women .
The scope of the credit union , there are 3 elements in it :
( 1 ) Banking if the daily banking and savings products in the world that is known deposits ( deposits ) , it is the same case with the credit union . Even in the credit union is able to provide greater interest than banks . In general , credit unions under the auspices of the Agency Coordinating Credit Union Credit Union Central Kalimantan and Equatorial provide savings of up to 14 % interest .
( 2 ) Cooperative is a major breath agency is called the credit union . The elements and the values contained in the cooperative so thick in the credit union organization .
( 3 ) Insurance polish themselves into a cooperative institution that carries the values and elements contained in the insurance . Concerns agencies in protecting its members , either in the form of deposits or loans . In addition , internally creating a similar product known as solidarity .
theory that the credit union or credit union , or commonly abbreviated as CU is a financial institution engaged in the savings and loan owned and managed by its members , and which aims to create wealth for its own members . Credit Union has three main principles , namely :
1 ) the principle of self-help ( savings only from its members ) ;
2 ) the principle of loyal friends ( loans are only given to members ) and
3 ) the principles of education and awareness ( build character is paramount , only good character that can receive a loan ) . The concept of CU are the ones who become members must pay dues , savings , and savings .
Objectives :
1 . Assessing the benefits of Credit Union in improving the situation of the beneficiaries ( rural women ) from the standpoint of economic , social , cultural and psychological harm .
2 . Assessing the key success factors in implementing gender equality and women's empowerment .
Aspects include the dignity of human dignity , human energy potential or even attached individually . Human dignity is the ultimate goal or the end result . Not only the end goal / outcome , but also the key and core .
Empowerment includes physical , intellectual , economic , political , and cultural , thus empowering it covers the whole of human development .
Participatory aspect that requires the participation of all parties in developing empowerment , both from the government , the perpetrators and implementers .
Program success will only be realized when all can participate according to their abilities and skills .
Fair aspects of patterns in which the results of this empowerment can be enjoyed by all without restriction or how much their contributions. Justice is an element and the main purpose of this empowerment .
This study aims to :
First , figure out how far women's access and control of micro-enterprises to physical resources .
Second , the extent to which women in micro-enterprises can access and control over socio -cultural resources .
Third , identify
barriers experienced by women micro-entrepreneurs in terms of access and
control over resources .
Fourth , formulate strategies to strengthen against women micro-entrepreneurs .
there are important differences that define the entrepreneurial spirit , between men and women , most women are difficult to advance because :
1 ) . Women are taught not to compete , they are not developed in a spirit of good competition in the business world .
2 ) . He also saw contemplate small details , they also worry too much about things that the details of the problem , so it is not used to look at the overall perspective position , thereby disrupting the development of leadership skills
3 ) . Emotional women in inappropriate situations , women spend so much time thinking
4 ) . He was less willing to take risks
Women are less aggressive enough , because the aggressive nature that are not in line with the education he has received over the years, that women should be feminine , do not be aggressive , so it does not " dare " to express feelings and ideas clearly ( firm ) , and not " dare " to say " no "
5 ) . They prefer to react rather than take the initiative , they are too embarrassed to highlight the advantages and opinion leadership and prefer the existing road
6 ) . Women are more task-oriented on purpose , thinking big on goals and objectives
Meanwhile , one of the efforts in empowering human resources , especially women , is through the cultivation and strengthening the spirit and practice of entrepreneurship . In general , the characteristics and temperament of an entrepreneur is ( Kartini , 2001) :
1 . Have confidence and optimistic
2 . And results-oriented work
3 . Dare to take a risk with a clear accounting
4 . He has the spirit and attitude of leadership
5 . Have the ability to be creative and innovative
6 . Oriented to the future
Empowerment is a term most commonly used in an effort to be directed and poverty reduction . Eradication of poverty requires the involvement of women in social and economic development , equal opportunities and the full and equal participation between men and women as agents of sustainable development .
Indicators :
1 . Economic indicators include : loan payments , the use of income , household economic decisions , control over business decisions .
2 . Social indicators , including gender equality and the relationship between power , the level of mobilization of the role of women , political awareness in the village administration building .
3 . Psychological indicators include : access to improved education , knowledge and information , attitudes and self-perception .
4 . Entrepreneurship indicators include the type of business moving and growing , human resources , savings and investments .
Views of Respondents
1 . demographics of Respondents
a. Respondents Age , Age of respondents who used this study were 18 to 45 years ( 90 % ) who are of childbearing age, and 10 % were aged 45 to 65 years
b . Respondents Education , Education in High School 31 % of respondents clothing , SD 29 % , BA 25 % and 15 % SMP . So it's possible to grow and thrive in the business field is very large because it is very precise in terms of education
c . Professional respondents , besides other household is a farmer by 54 % , other (other than trade , agriculture , livestock and fisheries ) by 33 % and 13 % of trade
d . Membership CU , CU membership that they have been a member for a long time and have confidence in CU and have been receiving benefits .
f . decision Making
In ACTIVITIES economic decision for CU members are generally based on a compromise family including parents and family members with their children , so this indicates that the fabric of family members of the CU movement is very strong in every step of life .
CONCLUSIONS AND IMPLICATIONS
The existence Credit Union ( CU ) has been able to deceive the family of women in economic activities , where most of the credits earned by women , especially in rural areas has been used and utilized to improve their business , either new business or old business , which is evident from their opinion that this should increase revenues . The resulting increase in revenue used to grow the business back , to improve children 's school fees thereby increasing the level of education and welfare standards , purchase of household furniture , adding the purchase of vehicles used to facilitate their efforts to renovate the house and a small portion is used for daily needs day or consumptive .
By becoming a member of the CU that they really feel the positive effects that feels more confident because they feel could help the family needs or to increase the family income . Similarly , openness to others also increases because they feel more knowledgeable and lack of information left by other people .
Key success factors in implementing gender equality and empowerment of women are economic factors , social factors , psychological factors and factors of entrepreneurship .
5W + 1H
1 . Why women are empowered ?
1 . Because women have the same interests with men in development .
2 . Women have a special interest in nature for the women themselves and the children . As in everyday life of women 's role can not be replaced entirely by men , for example in the household .
3 . Empowering and involving women in development , will also indirectly empower and send a positive spirit for the younger generation , who are generally in everyday life very closely with the figure of the mother , the woman who took care of them .
4 . Women have hidden potential that is not inferior to men , it could be in terms of motivation , spirit , fighting spirit and the need to move forward .
5 . Women are relatively more flexible and more receptive than men but usually not in terms of controlled emotion .
6 . The potential of women to undertake productive activities that generate and can support their families , and the broader national economy , let alone the potential spread in various fields and sectors . Potential women need to be improved or at least reduce the causes of why women get ahead in a career is difficult for women to continue their hard work and efforts for women entrepreneurs .
2 . What are the principles of the Credit Union ?
1 ) the principle of self-help ( savings only from its members )
2 ) the principle of loyal friends ( loans are only given to members ) and
3 ) the principles of education and awareness ( build character is paramount only good character that can receive a loan ) .
3 . Who is very influential in the financial lending institutions have a positive impact ?
Very influential here 90 % is where most of the women who received credit by women , especially in rural areas has been used and utilized to improve their business , either new business or old business , which is evident from their opinion that this should increase revenues . The resulting increase in revenue used to grow the business back , to improve children 's school fees thereby increasing the level of education and welfare standards , purchase of household furniture , adding the purchase of vehicles used to facilitate their efforts to renovate the house and a small portion is used for daily needs day or consumptive
4 . Where the topic being discussed ?
Based on the research topics being discussed on the empowerment of women in rural areas are KALIMANTAN
5 . When is Kartini express opinions about the characteristics and temperament of an entrepreneur ?
In 2001 Kartini argued that contains about :
1 . Have confidence and optimistic
2 . And results-oriented work
3 . Dare to take a risk with a clear accounting
4 . He has the spirit and attitude of leadership
5 . Have the ability to be creative and innovative
6 . Oriented to the future
6 . How very positive impact of micro-credit and micro-credit major benefits ?
( a) increase family income and quality of life , and as women represent 90 % of the borrowers , their contribution is important
( b ) promote the habit of savings among poor women borrowers
( c ) has been raising awareness and women are empowered to contribute to socio - economic activities are diverse and
( d ) has encouraged women to take an active role in the politics of Bangladesh
Fourth , formulate strategies to strengthen against women micro-entrepreneurs .
there are important differences that define the entrepreneurial spirit , between men and women , most women are difficult to advance because :
1 ) . Women are taught not to compete , they are not developed in a spirit of good competition in the business world .
2 ) . He also saw contemplate small details , they also worry too much about things that the details of the problem , so it is not used to look at the overall perspective position , thereby disrupting the development of leadership skills
3 ) . Emotional women in inappropriate situations , women spend so much time thinking
4 ) . He was less willing to take risks
Women are less aggressive enough , because the aggressive nature that are not in line with the education he has received over the years, that women should be feminine , do not be aggressive , so it does not " dare " to express feelings and ideas clearly ( firm ) , and not " dare " to say " no "
5 ) . They prefer to react rather than take the initiative , they are too embarrassed to highlight the advantages and opinion leadership and prefer the existing road
6 ) . Women are more task-oriented on purpose , thinking big on goals and objectives
Meanwhile , one of the efforts in empowering human resources , especially women , is through the cultivation and strengthening the spirit and practice of entrepreneurship . In general , the characteristics and temperament of an entrepreneur is ( Kartini , 2001) :
1 . Have confidence and optimistic
2 . And results-oriented work
3 . Dare to take a risk with a clear accounting
4 . He has the spirit and attitude of leadership
5 . Have the ability to be creative and innovative
6 . Oriented to the future
Empowerment is a term most commonly used in an effort to be directed and poverty reduction . Eradication of poverty requires the involvement of women in social and economic development , equal opportunities and the full and equal participation between men and women as agents of sustainable development .
Indicators :
1 . Economic indicators include : loan payments , the use of income , household economic decisions , control over business decisions .
2 . Social indicators , including gender equality and the relationship between power , the level of mobilization of the role of women , political awareness in the village administration building .
3 . Psychological indicators include : access to improved education , knowledge and information , attitudes and self-perception .
4 . Entrepreneurship indicators include the type of business moving and growing , human resources , savings and investments .
Views of Respondents
1 . demographics of Respondents
a. Respondents Age , Age of respondents who used this study were 18 to 45 years ( 90 % ) who are of childbearing age, and 10 % were aged 45 to 65 years
b . Respondents Education , Education in High School 31 % of respondents clothing , SD 29 % , BA 25 % and 15 % SMP . So it's possible to grow and thrive in the business field is very large because it is very precise in terms of education
c . Professional respondents , besides other household is a farmer by 54 % , other (other than trade , agriculture , livestock and fisheries ) by 33 % and 13 % of trade
d . Membership CU , CU membership that they have been a member for a long time and have confidence in CU and have been receiving benefits .
f . decision Making
In ACTIVITIES economic decision for CU members are generally based on a compromise family including parents and family members with their children , so this indicates that the fabric of family members of the CU movement is very strong in every step of life .
CONCLUSIONS AND IMPLICATIONS
The existence Credit Union ( CU ) has been able to deceive the family of women in economic activities , where most of the credits earned by women , especially in rural areas has been used and utilized to improve their business , either new business or old business , which is evident from their opinion that this should increase revenues . The resulting increase in revenue used to grow the business back , to improve children 's school fees thereby increasing the level of education and welfare standards , purchase of household furniture , adding the purchase of vehicles used to facilitate their efforts to renovate the house and a small portion is used for daily needs day or consumptive .
By becoming a member of the CU that they really feel the positive effects that feels more confident because they feel could help the family needs or to increase the family income . Similarly , openness to others also increases because they feel more knowledgeable and lack of information left by other people .
Key success factors in implementing gender equality and empowerment of women are economic factors , social factors , psychological factors and factors of entrepreneurship .
5W + 1H
1 . Why women are empowered ?
1 . Because women have the same interests with men in development .
2 . Women have a special interest in nature for the women themselves and the children . As in everyday life of women 's role can not be replaced entirely by men , for example in the household .
3 . Empowering and involving women in development , will also indirectly empower and send a positive spirit for the younger generation , who are generally in everyday life very closely with the figure of the mother , the woman who took care of them .
4 . Women have hidden potential that is not inferior to men , it could be in terms of motivation , spirit , fighting spirit and the need to move forward .
5 . Women are relatively more flexible and more receptive than men but usually not in terms of controlled emotion .
6 . The potential of women to undertake productive activities that generate and can support their families , and the broader national economy , let alone the potential spread in various fields and sectors . Potential women need to be improved or at least reduce the causes of why women get ahead in a career is difficult for women to continue their hard work and efforts for women entrepreneurs .
2 . What are the principles of the Credit Union ?
1 ) the principle of self-help ( savings only from its members )
2 ) the principle of loyal friends ( loans are only given to members ) and
3 ) the principles of education and awareness ( build character is paramount only good character that can receive a loan ) .
3 . Who is very influential in the financial lending institutions have a positive impact ?
Very influential here 90 % is where most of the women who received credit by women , especially in rural areas has been used and utilized to improve their business , either new business or old business , which is evident from their opinion that this should increase revenues . The resulting increase in revenue used to grow the business back , to improve children 's school fees thereby increasing the level of education and welfare standards , purchase of household furniture , adding the purchase of vehicles used to facilitate their efforts to renovate the house and a small portion is used for daily needs day or consumptive
4 . Where the topic being discussed ?
Based on the research topics being discussed on the empowerment of women in rural areas are KALIMANTAN
5 . When is Kartini express opinions about the characteristics and temperament of an entrepreneur ?
In 2001 Kartini argued that contains about :
1 . Have confidence and optimistic
2 . And results-oriented work
3 . Dare to take a risk with a clear accounting
4 . He has the spirit and attitude of leadership
5 . Have the ability to be creative and innovative
6 . Oriented to the future
6 . How very positive impact of micro-credit and micro-credit major benefits ?
( a) increase family income and quality of life , and as women represent 90 % of the borrowers , their contribution is important
( b ) promote the habit of savings among poor women borrowers
( c ) has been raising awareness and women are empowered to contribute to socio - economic activities are diverse and
( d ) has encouraged women to take an active role in the politics of Bangladesh
Komentar
Posting Komentar