THE ROLE OF WOMEN IN DEVELOPING SMALL MEDIUM ENTERPRISES IN BANTUL YOGYAKARTA
STUDY ON REVOLVING FUND UPK SPP IN THE SUB DISTRICT KASIHAN BANTUL YOGYAKARTA
Munjiati Munawaroh
1
1
Universitas Muhammadiyah Yogyakarta munjiatimumy.ac.id
ABSTRACT
This study aims to analyze the role of women in the development of small and medium enterprises in Bantul, Yogyakarta, studies on SME beneficiaries UPK SPP revolving fund in the sub district Kasihan Bantul Yogyakarta.
UPK SPP Unit Pengelola Kegiatan Simpan Pinjam Perempuan is a revolving fund management unit of government that is allocated to provide savings and loan services to the community of women. Currently there are
808 people, utilizing the revolving fund in the sub district Kasihan Bantul Yogyakarta.This study used a qualitative approach. The focus of this research are: 1 The role of women in small business development 2 Factors
supporting the development of businesses run by women 3 The factors inhibiting the development of businesses managed by women. Methods of collecting data in this study using the technique Focus Group Discussion FGD
with SPP beneficiaries community, where they are all women who run the business. The results of this study indicate that the role of women in the development of small businesses are helping their husbands to increase
family income. For a growing business, women become the familys main source of income. Women also helped the countrys economy through its role to reduce unemployment. Factors supporting the development of businesses
run by women is the support of family, get soft loans from the government through UPK SPP, environmental factors and expertise. Factors inhibiting the development of businesses managed by women are mostly no good
management, done by herself, lack of raw material, the consumptive nature, the number of competitors and the economic conditions were not good.
Keywords: SME, role of women,soft loan, revolving fund
1. INTRODUCTION
Today employment is increasingly rare, while the number of people who need jobs very much. The
government has not been able to provide sufficient jobs for its citizens, so there is a lot of unemployment. Such
conditions would pose a very broad social impact. Governments need to motivate people to create jobs for
a balance between the number of labor force who need work with existing employment.
One way to create jobs is to motivate citizens to entrepreneurship. The number of entrepreneurs in
Indonesia is still very low compared to the number of entrepreneurs in other countries. The number of
entrepreneurs in Indonesia reached 0.24 percent of the population in Indonesia is around 238 million. The
number was lower than the number of entrepreneurs in several countries outside the high economic growth rate.
The number of entrepreneurs in the United States about 11 percent, in Singapore to reach 7 percent, and in
Malaysia reached 5 percent. If Indonesia wants to be a developed country should develop the entrepreneurial
sector, entrepreneurs have a minimum of 2 percent of the population[5]. Entrepreneur is a person who always
worked hard and creatively to seek business opportunities, utilizing the opportunities that derive and
create alternatives as new business opportunities by a factor of excellence. The development of economic
systems which provide opportunities for small businesses to take part in the national economy, will
encourage the growth of an entrepreneurial-based economy, which will further encourage the growth of
new businesses. This opportunity can be taken of local business actors who usually start their business
independently. Entrepreneurship in Indonesia is not only run by men.
Women began to be moved to create a business that can be used as the foundation of her life. Businesses run by
women can also serve as a side job to help support his family. It also proves that women are able to
independently. The role of women in the economy is growing. Women
not only be a housewife. They are also a career to earn a living for the family and play a role in improving the
economy. Many women who have had successful businesses, both micro and macro level. If we look at
the majority of traders in the market in Indonesia are managed by women, as in the market Klewer Solo,
Beringharjo in Yogyakarta and so on. This proves that many women are able to demonstrate its existence with
success in running a business that is spreading in various fields.
Indonesian women have the potential to develop the business, especially if it is supported by the availability
of capital. Business development will reduce poverty in Indonesia. Currently there are many citizens who live
below the poverty line. The government needs to make efforts to encourage people to develop the business.
Seeing the amount of people who are below the poverty line, the Indonesian government to make efforts to
provide assistance to communities to become more prosperous, one of them with the community
empowerment program called Program Nasional Pemberdayaan Masyarakat PNPM. PNPM is the
national
program for
community empowerment
PNPM. There are various types of community empowerment
carried out by the Indonesian government. One of them is the empowerment of women, through the
UPK SPP. UPK Unit Pengelola Kegiatan is a unit that manages the operational activities of PNPM Mandiri.
One part of the UPK is Unit Pengelola Kegiatan Simpan Pinjam Perempuan UPK SPP. UPK SPP is activity
management unit of womens credit, which is a revolving fund management unit of government that is
allocated to provide savings and loan services to the community as a forum for women to achieve the
objectives of the PNPM [3, 9]. One UPK SPP
is in one part of the district of Bantul in Yogyakarta currently has 808 members benefeciary
community revolving fund SPP. They were divided into groups where each group consisting of 5 to 10 people,
with different backgrounds business types [9]. The UPK SPP has been running since 2007 until now. SPP funds
beneficiary community embraced it with enthusiasm, as evidenced by the increasing number of customers and
the number of revolving funds SPP rapidly growing amounts of funds.
The large number of women entrepreneurs who become beneficiaries of the revolving fund SPP in Kasihan
Bantul Yogyakarta, encourage researchers to study there. Their businesses to be developed, with the revolving
fund managed by UPK SPP.
based on this background, interesting to study about 1 The role of women in
small business development 2 Factors supporting the development of businesses run by women 3 The
factors inhibiting the development of businesses managed by women
2. LITERATURE REVIEW
