Strategi Pengembangan Lembaga Keuangan Mikro Mendukung Pengentasan Kemiskinan Di Perdesaan

Poverty in rural areas is a central issue of national mitigation which can't be postponed and should be a priority in the implementation of social welfare development. Lack of access to capital sources, markets and technologies, as well as farmer's organizations are still weak to be one of our problem. Optimizing the potential of existing financial institutions could be an alternative source of funding for farmers and rural communities, namely the development of MFIs. To that end, this paper aims to identify the problems of MFIs, to analyzes the potential of MFI's which can use as basis for the future development strategy and key success factors of empowerment MFI. From the discussion, MFIs development can be the one of effective solution in reducing poverty with the help of the role and intervention of various parties, both governmental, non-governmental and community. This can seen from the success of the empowerment of MFIs that have been implemented in Bangladesh, Philipine and China

Water Footprint Analysis in Krueng Aceh Watershed, Aceh Province, Indonesia

Water is one the most important natural resources to maintain human life and all other living things in the earth. Around 65% water were consumed for drinking purpose, while others were used for daily needs. The increasing amount of work on water use and scarcity in relation to consumption and trade has led to the emergence of the field of Water Footprint (WF). Climate change, rural development, world population growth and industrialization have placed considerable stress on the local availability of water resources. Thus, it is necessary to perform study in order to analyze water demands and supply for sustainable water availability. Recently, water footprint analysis has been widely draw attention to the scientists and engineers. The water footprint analysis is closely related with virtual water from which it is defined as total water volume used for consumption and trade. The main aim of this present study is to analyze and assess the total water requirement based on community water footprint in Krueng Aceh watershed area. The virtual water used in this study are dominant consumption food commodities. The result shows that water footprint per capita in Krueng Aceh watershed area was 674.52 m3/year. Water footprint for rural and urban population were 608.27 m3/year and 740.77 m3/year respectively. The WF of food consumption in urban area of Krueng Aceh watershed is 690.74 m3 / capita / year and 584.22 m3/capita/year or average 625.69 m3/capita/year, while for non-food, the WF per capita is 24.05 m3/year in rural or 32.46% of the total water footprint. Non-food consumption per capita in Krueng Aceh and in urban areas is 50.03 m3/year or 67.53%. The total water demand based on the water footprint is 378,906,655.05 m3 in 2015 which is consumed by most of residents in the Krueng Aceh watershed area. Furthermore, total WF in rural and urban area are 193,489,128.95 m3 and 185,417,526.10 m3 respectively

Dampak Konversi Lahan Pertanian terhadap Ekonomi Rumah Tangga Petani Padi (Studi Kasus Kecamatan Kertajati Kabupaten Majalengka Jawa Barat)

Konversi lahan pertanian yang terjadi di Kecamatan Kertajati merupakan implikasi dari proses pembangunan yang dihasilkan oleh kebijakan pemerintah. Konversi lahan pertanian tersebut dapat menimbulkan dampak negatif berupa kerugian sosial dan ekonomi bagi rumah tangga petani. Tujuan penelitian ini adalah untuk 1) mengestimasi dampak sosial ekonomi rumah tangga petani dan 2) menganalisis alternatif kebijakan untuk meminimalkan dampak negatif bagi petani. Data primer diperoleh dengan melakukan wawancara kepada responden. Data yang diperoleh dalam penelitian dianalisis secara deskriptif kuantitatif. Metode analisis yang digunakan yaitu analisis hilangnya kesempatan kerja petani, analisis hilangnya produksi padi, analisis pendapatan, Loss of Earnings (LoE) dan metode TOPSIS dengan sofware sanna. Hasilnya adalah nilai kerugian ekonomi berupa hilangnya kesempatan kerja pertanian (Rp 12.205.397/ha/tahun), nilai ekonomi produksi padi yang hilang (Rp 59.175.911/ha/tahun), berkurangnya pendapatan USAhatani padi (Rp 37.999.535,-/ha/tahun), dan berkurangnya penghasilan total rumah tangga petani (Rp 3.999.223/tahun). Urutan alternatif untuk mengurangi dampak negatif alih fungsi lahan pertanian terhadap rumah tangga petani dengan mempertimbangkan kriteria ekonomi, sosial, dan lingkungan dengan prioritas pertama adalah tukar guling tanah. Opprtunity job menjadi prioritas kedua dan pelatihan prioritas ketiga.konversi lahan pertanian, ekonomi rumah tangga, petani pad

Analisis Perubahan Penggunaan Lahan dan Debit Aliran di Sub DAS Cicatih

Cicatih is one of sub watershed which categorized as a good condition. However, if the land use allocation planning is not correctly, it is likely causing watershed degradation. The aim of this study was to assess land use changes and its influence on water discharging in Cicatih sub watershed. Some data were collected and analyzed including: rainfall, discharge, volume of discharge, flow regime coefficient (KRA), annual flow coefficient (KAT), land use change, and watershed conditions. There is a significant land use change in Cicatih sub watershed during period of 2009-2014. There are several significant increasing land uses, ie: dryland farming (77.26%), settlements (51.39%), and plantation (49.75%). Several significant decreasing land uses during the period, ie: scrub (96.78%), mixed dryland farming (78.74%), and rice field (74.50%). Land use changes in Cicatih sub watershed have an influence on the decreasing of watershed hydrological conditions. The value of KRA in the period 2009-2014 increase the category from medium (S) to very high (ST). In addition, the value of KAT also shows increase the category from medium (S) to high (T). The increase in dryland farming was due to large conversion of mixed dryland farming and scrub, settlements conversion from rice field and scrub, while the natural forest and plantations are converted from the scrub

Watershed Modeling with ArcSWAT and SUFI2 in Cisadane Catchment Area: Calibration and Validation of River Flow Prediction

Increasing of natural resources utilization as a result of population growth and economic development has caused severe damage on the watershed. The impacts of natural disasters such as floods, landslides and droughts become more frequent. Cisadane Catchment Area is one of 108 priority watershed in Indonesia. SWAT is currently applied world wide and considered as a versatile model that can be used to integrate multiple environmental processes, which support more effective watershed management and the development of better informed policy decision. The objective of this study is to examine the applicability of SWAT model for modeling mountainous catchments, focusing on Cisadane catchment Area in west Java Province, Indonesia. The SWAT model simulation was done for the periods of 2005 – 2010 while it used landuse information in 2009. Methods of Sequential Uncertainty Fitting ver. 2 (SUFI2) and combine with manual calibration were used in this study to calibrate a rainfall-runoff. The Calibration is done on 2007 and the validation on 2009, the R2 and Nash Sutchliffe Efficiency (NSE) of the calibration were 0.71 and 0.72 respectively and the validation are 0.708 and 0.7 respectively. The monthly average of surface runoff and total water yield from the simulation were 27.7 mm and 2718.4 mm respectively. This study showed SWAT model can be a potential monitoring tool especially for watersheds in Cisadane Catchment Area or in the tropical regions. The model can be used for another purpose, especially in watershed management

Analisis Akad Jual Beli Properti dengan Sistem Pembayaran Cash Bertahap

Islamic property developers are currently starting to offer housing with the sharia financing model. One of them is Nuansa Alam Setiabudi Clove who sells his house using an istishna contract, does not use bank financing, without confiscation, and fines. The payment methods used are cash and cash in stages. In its implementation, there are cases where the buyer does not make payments in succession within the agreed time frame at the time of the contract, which results in losses to the developer. The purpose of this study is to analyze the implementation and solution to the problem of buying and selling Islamic properties with the cash payment method in stages. This research is a qualitative study using a case study approach. The data analysis technique used descriptive analysis method. The results of the study found that the contract construction made by the developer needs to be improved and added, namely in Article 5 concerning Late Payment, Article 7 concerning Contract Cancellation and Compensation, and Article 8 concerning Dispute Resolution, to avoid losses caused by a bankless sales system, without confiscation, and without penalty