ANALISIS PEMBERDAYAAN IBU RUMAH TANGGA MUSLIMAH ANGGOTA PENGAJIAN AN-NAML DALAM USAHA PENGOLAHAN MAKANAN DI KELURAHAN GIWANGAN KECAMATAN UMBULHARJO KOTA YOGYAKARTA TAHUN 2013

• المؤلفون الرئيسيون: , Ana fadhilah, , Dr. Soeratno, M.Ec.
• التنسيق: Theses and Dissertations NonPeerReviewed
• منشور في: [Yogyakarta] : Universitas Gadjah Mada 2013
• الموضوعات: ETD
• الوصول للمادة أونلاين: https://repository.ugm.ac.id/126275/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=66486
• المؤسسة: Universitas Gadjah Mada

One of the activities of An-Naml recitation in the Giwangan Village, Subdistrict of Umbulharjo, Yogyakarta city is the economic empowerment of its members. This research using descriptive method with qualitative and quantitative. The data collected using in-depth interview, active participant observation and deployment of questionnaires to 15 members selected (purposive sampling). Tool of analysis is descriptive analysis, paired sample t-test, and correlation analysis. Based on economic target, the members are given business training or productive skills and business capitalization with revolving loan system. Nevertheless, there are still many members who pay late or even stuck in refunds, it is because funds still lent to who are not entrepreneurs, funds awarded are not adjusted its production costs, there is no control of the use of funds as well as business mentoring, lack of active enforcement of mandatory savings with regular withdrawals by the managers of recitation, and borrowers said no money to return it whereas they work almost everyday. Based on descriptive analysis is found that the average of total income per month (from food business, other businesses and their family) has increased. But specifically from food business is known that only 5 people( 33.3 percent ) whose incomes have increased, 4 people ( 26.7 percent ) is fixed, 6 people ( 40 percent ) is decreasing. The allocation for consumption and health costs also increased, while the education cost is decreasing, one of the reason is they lack the funds to finance their children's schools to a higher level. Income set aside for savings and religious (for donation (infaq), giving(sadaqah) and sacrifice (qurban)) has increased, but ironically, their debt is also increasing. Paired sample t-test proves that there is a difference of the total income, between before and after getting a loan. But specifically, the food business income (both absolute value and proportion value) is known that only the proportion value that there is a difference, ie tarithmetic > ttable (2.154 > 2.145). The allocation of total income is known that there is no difference, except the absolute value of consumption, ie (- 3.401<-2.145). The savings and religious funds are known no difference except the absolute value of infaq and sadaqah. The results of correlation analysis proving that between total income and savings, both before and after getting a loan is positive correlation. Between total income and religious funds is also positive, except the condition after getting loan funds, tend to be not correlated, ie as indicated by the significance value P > α (0.503 > 0.05). About the food processed is found that many members are less concerned about the cleanliness and health of their production. Regarding to the loan system is known that recitation still take the usury (riba), which gives an additional of 10 percent of the loan principal, with a maximum of 11 months installments.