Abstract:BKM is a citizen institution whose emergence in the community is intended as a community organization that favors helping the needs of the community, especially those related to poverty. A BKM policy is carried out technically by the Managing Unit. UPK as a Financial Management Unit in charge of distributing finance to KSM through BKM decisions. The potential of BKM, while currently still struggling with economic issues. In BKM, Dadi Mulya financial management unit gets some constraints that slow down perform… Show more
“…The lecturer and the students are directed not only to explore the lecture material but also to apply the material to be helpful for the surrounding community. The learning model is a practical application of knowledge development through processes and activities (Hanifah, 2021).…”
The community service is carried out to increase the knowledge of small business owners related to entrepreneurship. The form of community service implementation has carried out education and assistance to achieve all aspects of business, significantly increasing business profits. The community service partner is a member of the GKI EMAUS church who has a small business in Surabaya. They sell their products in food and beverages with most church members. This series of activities consisted of preparation and implementation until the evaluation phase, which took three months from November 2021 to January 2022. The community activities also involved the students using the service-learning method. The lecturer teams provide the material as the implementation of the course. Furthermore, together with the lecturers, the students did the community service in education and business strengthening for three months. MSME partners from GKI EMAUS feel many benefits, such as recording financial transactions, improving the formation of the right product price, and documenting the products. The results of community service are felt to have a high impact on partners because there have been improvements in small business management and sales.
“…The lecturer and the students are directed not only to explore the lecture material but also to apply the material to be helpful for the surrounding community. The learning model is a practical application of knowledge development through processes and activities (Hanifah, 2021).…”
The community service is carried out to increase the knowledge of small business owners related to entrepreneurship. The form of community service implementation has carried out education and assistance to achieve all aspects of business, significantly increasing business profits. The community service partner is a member of the GKI EMAUS church who has a small business in Surabaya. They sell their products in food and beverages with most church members. This series of activities consisted of preparation and implementation until the evaluation phase, which took three months from November 2021 to January 2022. The community activities also involved the students using the service-learning method. The lecturer teams provide the material as the implementation of the course. Furthermore, together with the lecturers, the students did the community service in education and business strengthening for three months. MSME partners from GKI EMAUS feel many benefits, such as recording financial transactions, improving the formation of the right product price, and documenting the products. The results of community service are felt to have a high impact on partners because there have been improvements in small business management and sales.
“…Didalamnya terdapat beberapa unit sesuai pengelolaanya. Unit Pelayanan Lingkungan (UPL) menangani permasalahan lingkungan, Unit Pelayanan Sosial (UPS) melayani permasalahan sosial dan Unit Pelayanan Keuangan (UPK) Menangani kebutuhan pelayanan keuangan mikro (Hanifah et al, 2022;Wijayanti et al, 2014) Program pemberdayaan masyarakat yang dilakukan oleh BKM dilakukan berjangka menengah dan panjang, berkesinambungan, dan utuh. Secara nasional beberapa hasil penelitian telah membuktikan pengaruh secara signifikan kegiatan BKM terhadap peningkatan pendapatan dari penduduk desa dan kesempatan kerja dari penduduk desa (Wibowo & Wanusmawatie, 2015).…”
Section: Pendahuluanunclassified
“…Secara nasional beberapa hasil penelitian telah membuktikan pengaruh secara signifikan kegiatan BKM terhadap peningkatan pendapatan dari penduduk desa dan kesempatan kerja dari penduduk desa (Wibowo & Wanusmawatie, 2015). BKM melalui Unit Pelayanan Keuangan (UPK) memberikan pelayanan keuangan dalam skala mikro berbentuk perguliran pinjaman berkelompok (Hanifah et al, 2022) Masyarakat yang membutuhkan pendanaan usahanya membentuk Kelompok Swadaya Mandiri (KSM) dengan jumlah minimal 5 Orang maksimal 20 Orang dapat mengajukan pendanaan usahanya. Oleh karenanya UPK-BKM juga termasuk dalam Lembaga Keuangan Mikro (LKM).…”
UPK-BKM di wilayah kecamatan Pecangaan mengalami permasalahan Non-Performing Loan (NPL) yang sangat tinggi. Hal tersebut disebabkan karena permasalahan (1) Penyaluran pinjaman dilakukan secara peer-to-peer lending oleh ketua koordinator dengan ketua Kelompok Swadaya Mandiri (KSM) sehingga tidak transparan (2) Penanganan pinjaman dilakukan sentralistik tanpa melibatkan peran masing-masing pengurus (3) Lemahnya sistem kolektibilitas kredit. (4) Tidak mempunyai tata kelola risiko yang baik. Metode pelaksanaan pengabdian dilaksanakan dengan Inhouse Training, pendampingan pembuatan Standar Operation and Procedure (SOP) dan Risk Mapping untuk merubah pola kerja perguliran dana yang terkonstruk sejak lama dengan pola perguliran dana yang baru dengan transparansi melalui center-meeting pada saat pencairan dana serta memasukan unsur Mubadalah atau saling melengkapi atau menggantikan antara suami atau istri ataupun penjamin pada penyaluranya atau penerimaan dana. Kegiatan pendampingan lapangan penanganan perguliran dana yang terlanjur macet (NPL existing) melalui pola rescheduling, reconditioning, restructuring, refinancing. Kegiatan tersebut dilaksanakan selama delapan bulan dengan hasil berupa penambahan perguliran macet baru sebesar 0%.
UPK-BKM in the Pecangaan sub-district area is encounter tremendous non-performing Non-Performing Loan (NPL) volumes. This is due to problems (1) Loan distribution is carried out peer-to-peer lending by the head of the coordinator with the head of the Independent Self-Help Group (KSM) that is making lending distribution not transparent (2) Loan handling is carried out centrally without involving the role of each administrator (3) Weak credit collectibility system. (4) Needing good Risk Management. The method of implementing the service is carried out with In-house Training, assistance in creating Standard Operations and Procedures (SOP), and Risk Mapping to change the workflow of fund lending which has been constructed for a long time with a new fund lending flow with transparency through center-meeting at the time of disbursement of funds and including elements of Mubadala is it complement or replace each other between husband or wife or guarantor in the distribution or receipt of funds. Field assistance activities for handling the circulation of funds that are already stuck (existing NPL) through rescheduling, reconditioning, restructuring, and refinancing models. This activity was carried out for eight months with results in the form of an increase in new Non-Performing Financing (NPL) weighted 0%.
“…BKM memiliki tiga bidang yang memiliki fungsi berbeda, yaitu (1) Unit Pengelola Lingkungan yang menangani pavingisasi, pembuatan MCK, pembersihan selokan air; (2) Unit Pengelola Keuangan (UPK) memberikan fasilitas tabungan dan pinjaman; (3) Unit Pengelola Sosial (UPS) menyalurkan bantuan kepada masyarakat yang membutuhkan (Hanifah et al, 2021). Program pemberdayaan masyarakat yang dilakukan oleh BKM dilakukan berjangka menengah dan panjang, berkesinambungan, dan utuh.…”
BKM (Badan Keswadayaan Masyarakat) merupakan hibah dari pemerintah dalam program Kotaku (Kota tanpa Kumuh) pada tahun 2014, namun pergantian birokrasi membuat keberlanjutan BKM menjadi tidak jelas. Di Kecamatan Pecangaan hanya 2 BKM yang aktif sementara 12 lainnya non aktif. Kegiatan pengabdian ini bertujuan untuk memberikan pendampingan kepada pengurus BKM di Kecamatan Pecangaan dan menganalisis SWOT BKM Kecamatan Pecangaan. Dari hasil analisis SWOT diperoleh bahwa BKM berada di kuadran III yang mengindikasikan bahwa BKM memiliki peluang tumbuh namun tidak dapat dimaksimalkan karena kelemahan internal yang dimiliki, sehingga diperlukan strategi untuk mengatasi kelemahan tersebut. Beberapa langkah yang dapat ditempuh diantaranya: (1) mengalokasikan laba untuk memberikan bagi hasil kepada para pengurus dengan jumlah yang sesuai; (2) menjalin kerjasama dengan berbagai stakeholder; (3) memperkuat modal sosial yang dimiliki pengurus dan anggota; (4) memanfaatkan bantuan LBH untuk memberikan somasi pada anggota dengan kredit macet.
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