Judul: The Study of Women’s Savings and Loan Activity (a Case Study of Project Management Unit in Semparuk Sub-Distric Sambas Regency)
Abstrak: Women's savings and loan (SPP) activity is Indonesian government effort to develop rural savings and loan’s potency, access facility to micro scale enterprise funding, needs fulfill for funding basic social, institutional strengthening of woman activity, support poor households alleviation and create the employment. The objectives of this study were, to identify existing problems, to analyze strengths, weakness, opportunities and threats (SWOT) in the savings and borrowing activities from SPP groups and to improve strategies in the Project Management Unit (UPK) of Semparuk sub-district Sambas regency. The primary data were collected to fund user by observation and interviewed techniques, and secondary data obtained from literature studied. Interviews were conducted to 50 respondents whose used credit for three consecutive years and four program actors. The data explained descriptively and assessment strategies analyzed using internal factor evaluation matrix, external factor evaluation matrix, internal-external matrix, SWOT matrix and quantitative strategic planning matrix. The results show that the were identified problems: poor households’ economic empowerment had not done yet, group members’ savings fail to grow, credit disbursement process was relatively slow, program actors’ role fail to facilitate the groups particularly in members’ businesses development. Several alternative strategies that can be implemented by UPK are: improve the services, expanse the credit markets and marketing networking, maximize the program actors’ role, maintain the commitment to developing the SPP, increase the programs promotion, increase the assistance to SPP groups and diversification of deposit and loan products.
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Judul: Partisipasi perempuan dalam kegiatan simpan pinjam kelompok perempuan (SPP) (kasus PNPM Mandiri perdesaan di salah satu desa di kabupaten Banyumas)
Abstrak: Population of poor in Indonesia is not significantly decreasing. In consequence, Government perform strategies to overcome the problem. One of them is by launching the National Program for Community Empowerment (PNPM) Independent Rural Areas. There are three activities suggested in PNPM Independent Rural Areas, they are Women group Savings and Loans (SPP), Facilities and Infrastructure Developments and the Life Quality Improvements. This research focuses on the activities in the SPP and is expected to contribute women in improving their welfare. The purposes of this research are to analyze the internal and external factors which are closely related to the level of women participation in the Women Group Savings and Loans and to analyze the relationship between the women participation with the success rate of SPP activity. Meanwhile, the determination of the respondents number is set by non-proportional method. This research operated survey method with quantitative which is supported by qualitative approach. Quantitative data obtained by interviewing the women of SPP members based on planned questionnaire guide. While, the qualitative data is obtained by interviewing the parties who were involved in the activities. The results showed that age was the only internal factor in the activities of SPP which is closely linked to women participation. However, external factors did not closely linked with women participation level dan participation level with the sucsess rate of the SPP activity.
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Judul: Gambaran darah ikan mas Cyprinus carpio yang terinfeksi koi herpes virus
Abstrak: Iak memiliki sistem pertahanan tubuh untuk melawan berbagai macam penyakit. Pertahanan tubuh ikan terbagi 2 sistem yaitu pertahanan non-spesifik yang terdiri atas kulit, sisik, lendir dan darah dan pertahanan spesifik yaitu antibodi. Darah adalah cairan tubuh, yang berfungsi mengangkut oksigen, makanan dan hormon ke seluruh jaringan agar semua sel dapat berjalan sesuai fungsinya.
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