Pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan Bank Plecit di pasar tradisional Purwokerto, Kabupaten Banyumas, Jawa Tengah

Pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan Bank Plecit di pasar tradisional Purwokerto, Kabupaten Banyumas, Jawa Tengah

<p>Kajian ini memfokuskan pertimbangan moral dalam urusan pinjaman wang antara</p><p>peniaga kecil dengan bank plecit di Pasar Tradisional Purwokerto, Kabupaten</p><p>Banyumas, Jawa Tengah. Kajian ini mengupas pertimbangan moral d...

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Main Author: Ratna Kartika Wati
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Published: 2022
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HG Finance
Online Access:https://ir.upsi.edu.my/detailsg.php?det=9533
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institution Universiti Pendidikan Sultan Idris
collection UPSI Digital Repository
language zsm
topic HG Finance
spellingShingle HG Finance
Ratna Kartika Wati
Pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan Bank Plecit di pasar tradisional Purwokerto, Kabupaten Banyumas, Jawa Tengah
description <p>Kajian ini memfokuskan pertimbangan moral dalam urusan pinjaman wang antara</p><p>peniaga kecil dengan bank plecit di Pasar Tradisional Purwokerto, Kabupaten</p><p>Banyumas, Jawa Tengah. Kajian ini mengupas pertimbangan moral dari aspek kognitif,</p><p>emosi, dan tindakan moral dalam urusan peminjaman wang tersebut. Metodologi</p><p>kualitatif melalui kaedah temu bual separa berstruktur dan bersemuka digunakan untuk</p><p>pengumpulan data. Pengkaji kajian terdiri daripada 9 orang peniaga kecil di pasar</p><p>tradisional dan 7 orang pemilik bank plecit. Dapatan kajian menunjukkan bank plecit</p><p>menjadi pilihan peniaga kecil dalam urusan pemberian pinjaman wang kerana diri</p><p>sendiri terpaksa meminjam atas keperluan mendesak untuk menambah modal</p><p>perniagaan di pasaran. Ini juga berikutan kesukaran peniaga kecil untuk mendapatkan</p><p>pinjaman daripada bank rasmi kerana kurangnya pengetahuan tentang prosedur</p><p>pinjaman bank rasmi dan syarat yang rumit terutama berkaitan jaminan. Oleh itu, aspek</p><p>kognitif yang diambil kira semasa membuat pertimbangan moral dalam urusan</p><p>peminjaman wang daripada bank plecit ialah mengaitkan faktor budaya yang sedia</p><p>wujud dalam masyarakat kelas bawahan di Indonesia. Bagi bank plecit, keuntungan</p><p>adalah faktor utama yang mendorong keinginan untuk meminjamkan wang. Dari aspek</p><p>emosi moral, pinjaman wang antara peniaga kecil dengan bank plecit berlaku kerana</p><p>perasaan empati akibat wujudnya kehendak perniagaan yang saling memerlukan iaitu</p><p>ingin membantu oleh bank plecit dan ingin meneruskan perniagaan oleh peniaga kecil.</p><p>Pemilik bank plecit juga melahirkan rasa malu dan bersalah mengenakan bunga yang</p><p>tinggi, namun kepentingan keuntungan diutamakan. Seterusnya, dapatan pertimbangan</p><p>moral dari segi kognitif dan emosi telah membawa kepada tindakan moral yang diambil</p><p>oleh kedua-dua pihak untuk meneruskan urusan pinjaman. Tindakan moral ini</p><p>dipengaruhi oleh adanya kompetensi moral, kekuatan dan kelemahan keinginan, dan</p><p>tabiat kedua-dua pihak dalam urusan pinjaman wang. Kajian ini turut mencadangkan</p><p>peranan kerajaan diperlukan untuk menyediakan program yang memudahkan dan</p><p>menyokong pemberian pinjaman wang kepada peniaga kecil supaya mereka tidak</p><p>bergantung kepada bank plecit.</p>
format thesis
qualification_name
qualification_level Doctorate
author Ratna Kartika Wati
author_facet Ratna Kartika Wati
author_sort Ratna Kartika Wati
title Pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan Bank Plecit di pasar tradisional Purwokerto, Kabupaten Banyumas, Jawa Tengah
title_short Pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan Bank Plecit di pasar tradisional Purwokerto, Kabupaten Banyumas, Jawa Tengah
title_full Pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan Bank Plecit di pasar tradisional Purwokerto, Kabupaten Banyumas, Jawa Tengah
title_fullStr Pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan Bank Plecit di pasar tradisional Purwokerto, Kabupaten Banyumas, Jawa Tengah
title_full_unstemmed Pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan Bank Plecit di pasar tradisional Purwokerto, Kabupaten Banyumas, Jawa Tengah
title_sort pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan bank plecit di pasar tradisional purwokerto, kabupaten banyumas, jawa tengah
granting_institution Universiti Pendidikan Sultan Idris
granting_department Fakulti Sains Kemanusiaan
publishDate 2022
url https://ir.upsi.edu.my/detailsg.php?det=9533
_version_ 1783730273046757376
spelling oai:ir.upsi.edu.my:95332023-10-06 Pertimbangan moral dalam urusan pinjaman wang antara peniaga kecil dengan Bank Plecit di pasar tradisional Purwokerto, Kabupaten Banyumas, Jawa Tengah 2022 Ratna Kartika Wati HG Finance <p>Kajian ini memfokuskan pertimbangan moral dalam urusan pinjaman wang antara</p><p>peniaga kecil dengan bank plecit di Pasar Tradisional Purwokerto, Kabupaten</p><p>Banyumas, Jawa Tengah. Kajian ini mengupas pertimbangan moral dari aspek kognitif,</p><p>emosi, dan tindakan moral dalam urusan peminjaman wang tersebut. Metodologi</p><p>kualitatif melalui kaedah temu bual separa berstruktur dan bersemuka digunakan untuk</p><p>pengumpulan data. Pengkaji kajian terdiri daripada 9 orang peniaga kecil di pasar</p><p>tradisional dan 7 orang pemilik bank plecit. Dapatan kajian menunjukkan bank plecit</p><p>menjadi pilihan peniaga kecil dalam urusan pemberian pinjaman wang kerana diri</p><p>sendiri terpaksa meminjam atas keperluan mendesak untuk menambah modal</p><p>perniagaan di pasaran. Ini juga berikutan kesukaran peniaga kecil untuk mendapatkan</p><p>pinjaman daripada bank rasmi kerana kurangnya pengetahuan tentang prosedur</p><p>pinjaman bank rasmi dan syarat yang rumit terutama berkaitan jaminan. Oleh itu, aspek</p><p>kognitif yang diambil kira semasa membuat pertimbangan moral dalam urusan</p><p>peminjaman wang daripada bank plecit ialah mengaitkan faktor budaya yang sedia</p><p>wujud dalam masyarakat kelas bawahan di Indonesia. Bagi bank plecit, keuntungan</p><p>adalah faktor utama yang mendorong keinginan untuk meminjamkan wang. Dari aspek</p><p>emosi moral, pinjaman wang antara peniaga kecil dengan bank plecit berlaku kerana</p><p>perasaan empati akibat wujudnya kehendak perniagaan yang saling memerlukan iaitu</p><p>ingin membantu oleh bank plecit dan ingin meneruskan perniagaan oleh peniaga kecil.</p><p>Pemilik bank plecit juga melahirkan rasa malu dan bersalah mengenakan bunga yang</p><p>tinggi, namun kepentingan keuntungan diutamakan. Seterusnya, dapatan pertimbangan</p><p>moral dari segi kognitif dan emosi telah membawa kepada tindakan moral yang diambil</p><p>oleh kedua-dua pihak untuk meneruskan urusan pinjaman. Tindakan moral ini</p><p>dipengaruhi oleh adanya kompetensi moral, kekuatan dan kelemahan keinginan, dan</p><p>tabiat kedua-dua pihak dalam urusan pinjaman wang. Kajian ini turut mencadangkan</p><p>peranan kerajaan diperlukan untuk menyediakan program yang memudahkan dan</p><p>menyokong pemberian pinjaman wang kepada peniaga kecil supaya mereka tidak</p><p>bergantung kepada bank plecit.</p> 2022 thesis https://ir.upsi.edu.my/detailsg.php?det=9533 https://ir.upsi.edu.my/detailsg.php?det=9533 text zsm closedAccess Doctoral Universiti Pendidikan Sultan Idris Fakulti Sains Kemanusiaan <p>Abdullah, N., & Hanafi, H. (2007). A comparative approach of money lending activities practiced by the financial institution and" ah long" in Malaysia. Malaysia: University of Malaya.</p><p>Al Masito, Eis. (2013). Upaya Menjaga Eksistensi Pasar Tradisional: Studi Revitalisasi Pasar Piyungan Bantul, Jurnal PMI Vol. 10, No. 2.</p><p>Anyiro, C. O., & Oriaku, B. N. (2011). Access to and investment of formal micro credit by small holder farmers in Abia State, Nigeria. A case study of Absu Micro Finance Bank, Uturu. 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