Salahuddin, - (2018) Makna Literasi Keuangan Pada Petani Kopi (Studi Fenomenologi Pada Komunitas Petani Kopi Di Kabupaten Bondowoso). Doktor thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk mengungkap secara mendalam praktik dan makna praktik Literasi Keuangan pada petani kopi. Fokus penelitian mengungkap makna praktik Literasi Keuangan atas motif sebab (because motives) dan motif supaya atau tujuan (in order to motives). Literasi Keuangan di fokuskan pada Literasi Keuangan aspek Tabungan dan Investasi. Metode penelitian menggunakan Fenomenologi Schutz sebagai pisau Analisis. Penelitian melibatkan 10 petani kopi sebagai informan yang dipilih secara snowball. Lokasi penelitian di Kecamatan Sumber Wringin Kabupaten Bondowoso Provinsi Jawa Timur Peneliti hadir di lokasi penelitian pada bulan Desember 2015 sampai bulan Juli 2017. Hasil penelitian mengungkap bahwa para petani kopi menabung uang mereka dalam bentuk tabungan di bank dan berupa barang. Praktik Investasi para petani adalah dalam bentuk penambahan luas kebun dan peremajaan tanaman kopi. Selain itu para petani melakukan tumpang sari dan diversifikasi usaha tani. Motif sebab tindakan petani menabung ditinjau dari sebab ekonomi merupakan tindakan menjaga ketersediaan pendanaan usaha, bertujuan agar kelangsungan usaha terjaga. Motif sebab menjalankan perintah agama, bertujuan agar tidak bersikap boros, memperhatikaan hari esok dan bermanfaat bagi orang lain. Sedangkan Motif sebab sosial bertujuan agar saling membantu dan berpartisipasi pada kegiatan sosial di lingkungan. Tindakan petani kopi dalam menabung tidak semata-mata untuk keinginan pribadi tapi juga untuk kepentingan sosial. Motif sebab petani berinvestasi ditinjau dari sebab ekonomi merupakan tindakan pengelolaan sumber daya, bertujuan agar memperoleh keuntungan untuk kelangsungan usaha, motif sebab menjalankan menjalankan perintah agama, bertujuan agar memperoleh manfaat pribadi di dunia dan akhirat, memberikan manfaat untuk orang lain dan motif sebab sosial bertujuan agar menyerap tenaga kerja sebagai bentuk tanggungjawab sosial petani.Nilai-nilai agama merupakan pengetahuan yang mendasari praktik dan pemaknaan praktik Literasi Keuangan dikalangan petani.
English Abstract
The objective of this study is to deeply reveal the meaning and the practice of financial literacy for coffee farmers. This study focuses on revealing the meaning of financial literacy practices on the basis of because motives and in order to motives. The financial literacy is focused on the aspects of saving and investment. Using Schutz’s phenomenology, this study involves ten snowball-wise selected coffee farmers located in Sumber Wringin District in Bondowoso regency in East Java. The researcher was present in the research location from December 2015 to July 2017. The result of the research reveals that coffee farmers save their money in forms of bank saving accounts and assets and that they invest their money in land and plant rejuvenation in addition to crop and agricultural business diversification. The because motive of farmers saving their money, observed from the economic cause, is to maintain the availability of business funding in order to keep the sustainability of their business. The because motives of farmers doing their religious teachings are to prevent them from being extravagant, to prepare themselves for the future, and to be beneficial for other people. The social because motives are to help each other and to participate in social activities in their environment. Coffee farmers save their money not only for their personal interest but also for social interest. The because motives of farmers investing their money, observed from the economic cause, are to manage resources and to gain profit in order to maintain the sustainability of their business. The because motives of farmers doing their religious teachings are to gain personal benefits in life and the afterlife and to provide benefit for other people. The social because motive is to absorb workforce as a form of their social responsibility. Religious values are the knowledge that base the meaning and the practice of financial literacy among farmers.
Other obstract
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| Item Type: | Thesis (Doktor) |
|---|---|
| Identification Number: | DIS/332.02/SAL/m/2019/061901530 |
| Uncontrolled Keywords: | Literasi Keuangan, Petani Kopi Tabungan, Investasi, Fenomenologi Schutz,-financial literacy, coffee farmers, saving, investment, Schutz’s phenomenology |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.02 Miscellany and personal finance |
| Divisions: | S2/S3 > Doktor Ilmu Manajemen, Fakultas Ekonomi dan Bisnis |
| Depositing User: | Endang Susworini |
| Date Deposited: | 27 Apr 2022 07:22 |
| Last Modified: | 27 Apr 2022 07:22 |
| URI: | http://repository.ub.ac.id/id/eprint/190239 |
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