Expanding Amidst the Storm: The Development of Village Microcredit Institution (LKD) Tasik Agung and Its Influences for Urban Coastal Community

摘要

The main purpose of this article is to know and analyze a microcredit institution that able to survive and develop as a rural credit institution during 2005–2015. It is analyze some survival and developmental factors to provide credit for the small community. On the other hand,by this research is expected to be able to reveal and examine some problems led to the death of microcredit institutions. Thus, the specific targets is to reconstruct and analyze the existence of LKD Tasik Agung as a microcredit institution in the village level that was able as economic assistanceamong the village community during 2005–2015. The results is subsidized credit often a means of abuse of power to enrich somebody. Meanwhile the characteristic income of fisherman is periodic due to many reasons, such as weather condition and daily lifestyle. They were very risky tolive under poverty line. In such condition, the New Order government was only interested to conduct credit program for rural communities, especially farmers. It made subsidized small credit program almost accepted by farmers. Meanwhile coastal community were almost forgotten, at least it washappened until the beginning of reformation era. Historical method is used in this research to analyze the major problems related to the development of LKD Tasik Agung and it’s role to provide credit for coastal community.