Community Economic Empowerment Strategy Model through Financing in the Slum Environment in the City of Banjarmasin

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Agus Syabarrudin, Ahmad Alim Bachri, Udiansyah, Hamdani


This study examines the economic empowerment efforts community through a financing model for slums in the City Banjarmasin. The main objectives of this study are to: 1) Identify the condition community in the slum environment of Banjarmasin City. 2) Analyzing patterns of community financing in the slum environment of Banjarmasin City. 3) Assess the level of community economic empowerment in the slums of Banjarmasin. 4) Develop a strategy for community economic empowerment through a model financing in the slum environment of Banjarmasin City. The study was conducted in the slums of Banjarmasin City, Province South Borneo. The research sample was taken by cluster random sampling in 256 slum communities, and 19 specified stakeholders purposive sampling includes: experts from banks, non-banks, figures community, and policymakers, which are then analyzed using a quantitative approach. The results of the study concluded as follows: (1) livelihood conditions slum communities in each typology pointed out differences in community livelihoods in the slums of Banjarmasin City " with a value of 0,000 (asymp.sig. (2-tailed) or <0.05 or <0.01, though shows a dominant figure of 86% with the status of household financial status deficit and 14% with a surplus condition, (2) people's living conditions with financing patterns showing a "sufficient" relationship with the value of 0.370 which proves that between variables is relatively not mutually strong Influence. The dominant financing pattern is consumptive (45.31%), (3) there are factors in accessing community economic financing at Banjarmasin City slum environment, with the Principal Component Method Analysis (PCA), obtained types of factors : credit channeling information, services administration, employee services, security, service satisfaction, interest rates, and brand, and "service satisfaction" as the dominant factor choosing the type of community economic financing, (4) there are different strategies community economic empowerment in Banjarmasin City slums " tested using Analytical Hierarchy Process (AHP) Method with consistency 0.01 or 10% of each expert's opinion. Data processing results show that the non-ursury aspect (73.62%) is more dominantly considered compared Ursury aspects (26.28%) This research come up with two priorities financing model: the first is commercial financing with partnership model as RLAFM1 (33,46%) and the second is financing based on charity model as RLAFM2 (25,15%), by experts as an empowerment strategy community in the slum environment of Banjarmasin City. Furthermore, the two priorities of the financing model are examined by a SWOT analysis to be able to produce the best strategy in applying it to the community. This research is useful for stakeholders who concerned to make the SDGs realising, especially in eradicating poverty - no one left behind and practitioners of financial institutions.


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