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  • DAMPAK TATA KELOLA DEMOKRATIS TERHADAP KINERJA

    KEUANGAN DAN KINERJA SOSIAL LEMBAGA KEUANGAN MIKRO

    (STUDI KASUS DI CU KRIDHA RAHARDJA DAN CU TYAS MANUNGGAL)

    Skripsi

    Diajukan Untuk Memenuhi Salah Satu Syarat

    Memperoleh Gelar Sarjana Ekonomi

    Program Studi Ekonomi

    Oleh:

    Andi Suryadi

    NIM: 162314037

    FAKULTAS EKONOMI

    UNIVERSITAS SANATA DHARMA

    YOGYAKARTA

    2020

    PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  • i

    DAMPAK TATA KELOLA DEMOKRATIS TERHADAP KINERJA

    KEUANGAN DAN KINERJA SOSIAL LEMBAGA KEUANGAN MIKRO

    (STUDI KASUS DI CU KRIDHA RAHARDJA DAN CU TYAS MANUNGGAL)

    Skripsi

    Diajukan Untuk Memenuhi Salah Satu Syarat

    Memperoleh Gelar Sarjana Ekonomi

    Program Studi Ekonomi

    Oleh:

    Andi Suryadi

    NIM: 162314037

    HALAMAN JUDUL

    FAKULTAS EKONOMI

    UNIVERSITAS SANATA DHARMA

    YOGYAKARTA

    2020

    PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  • ii

    THE IMPACT OF DEMOCRATIC GOVERNANCE ON FINANCIAL AND

    SOCIAL PERFORMANCE OF MICROFINANCE INSTITUTIONS (A CASE

    STUDY AT CU KRIDHA RAHARDJA AND CU TYAS MANUNGGAL)

    An Undergraduate Thesis

    Presented as Partial Fulfilment

    of the Requirements for the Degree of Sarjana Ekonomi

    Economics Study Program

    By:

    Andi Suryadi

    NIM: 162314037

    TITLE PAGE

    FACULTY OF ECONOMICS

    UNIVERSITAS SANATA DHARMA

    YOGYAKARTA

    2020

    PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  • ix

    PERSEMBAHAN

    What ever you are doing, that which makes you

    feel the most alive… that is where God is.

    (St. Ignatius of Loyola)

    Motto:

    Nil Satis Nisi Optimum!

    Nothing but the best is good enough!

    Tidak ada yang lebih baik daripada yang terbaik!

    Kupersembahkan untuk:

    Mama ku Arbaina

    Adik ku Silvia Anggraini dan Boy Marjeri

    Papa ku Repilanson

    Vania Susanto

    Susuk Susanto Tan dan ii Yunita Yang

    Sahabatku Dyah, Ayu, Fera, Dwi, Anna, Dio, Arya, Fanny, Sinta, Awe, Stevi, Ayu

    Mas Rian, pak Kris, mas Andri dan Pusat Studi Lingkungan USD

    PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  • x

    DAFTAR ISI

    HALAMAN JUDUL ...................................................................................................... i

    TITLE PAGE ................................................................................................................. ii

    LEMBAR PERSETUJUAN......................................................................................... iii

    LEMBAR PENGESAHAN ......................................................................................... iv

    LEMBAR PERNYATAAN KEASLIAN KARYA TULIS SKRIPSI ......................... v

    LEMBAR PERNYATAAN PERSETUJUAN PUBLIKASI KARYA ILMIAH

    UNTUK KEPENTINGAN AKADEMIS .................................................................... vi

    KATA PENGANTAR ................................................................................................ vii

    PERSEMBAHAN ........................................................................................................ ix

    DAFTAR ISI ................................................................................................................. x

    DAFTAR TABEL ...................................................................................................... xvi

    DAFTAR GAMBAR ................................................................................................ xvii

    DAFTAR LAMPIRAN ............................................................................................ xviii

    DAFTAR SINGKATAN ............................................................................................ xx

    ABSTRAK ................................................................................................................. xxi

    ABSTRACT ................................................................................................................ xxii

    BAB 1 PENDAHULUAN ............................................................................................ 1

    1.1 Latar Belakang .................................................................................................... 1

    1.1.1 Ketimpangan Ekonomi ................................................................................. 2

    1.1.2 Credit Union Sebagai Bentuk Koperasi yang Mereduksi Ketimpangan ...... 5

    1.1.3 Credit Union Kridha Rahardja dan Credit Union Tyas Manunggal ........... 10

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    1.1.4 Perdebatan Tata Kelola Demokratis dan Kinerja dalam Konteks Credit

    Union ................................................................................................................... 12

    1.2 Rumusan Masalah ............................................................................................. 16

    1.3 Tujuan Penelitian ............................................................................................... 17

    1.4 Manfaat Penelitian ............................................................................................. 18

    1.4.1 Manfaat Teoritis .......................................................................................... 18

    1.4.2 Manfaat Praktis ........................................................................................... 18

    1.5 Batasan Penelitian ............................................................................................. 19

    BAB 2 TINJAUAN LITERATUR ............................................................................. 21

    2.1 Tata Kelola ........................................................................................................ 22

    2.1.1 Perkembangan Demokrasi Modern ............................................................ 22

    2.1.2 Perdebatan Tentang Demokrasi .................................................................. 24

    2.1.3 Ekonomi Kerakyatan .................................................................................. 30

    2.1.4 Tata Kelola Dalam Ekonomi Kelembagaan Baru ....................................... 32

    2.1.5 Pengertian Lembaga Keuangan Mikro ....................................................... 35

    2.1.6 Tata Kelola Credit Union ........................................................................... 37

    2.2 Skisma Lembaga Keuangan Mikro ................................................................... 43

    2.2.1 Pendekatan Institusionalis (Institutionalist Approach) ............................... 47

    2.2.2 Pendekatan Welfaris (Welfarist Approach) ................................................ 51

    2.3 Penelitian Terdahulu .......................................................................................... 56

    BAB 3 METODE PENELITIAN................................................................................ 65

    3.1 Desain Penelitian ............................................................................................... 65

    3.2 Target Penelitian ................................................................................................ 68

    PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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    3.2.1 Tempat dan Waktu Penelitian ..................................................................... 68

    3.2.2 Informan dan Objek Penelitian ................................................................... 68

    3.3 Data ................................................................................................................... 70

    3.3.1 Kebutuhan Data .......................................................................................... 70

    3.3.2 Metode Pengumpulan Data ......................................................................... 71

    3.4 Metode Analisis ................................................................................................. 75

    3.4.1 Definisi Operasional ................................................................................... 75

    3.4.2 Teknik Analisis Data .................................................................................. 77

    BAB 4 GAMBARAN UMUM LEMBAGA .............................................................. 83

    4.1 Gambaran Umum CU Kridha Rahardja ............................................................ 83

    4.1.1 Sejarah Perkembangan ................................................................................ 83

    4.1.2 Visi, Misi, dan Tujuan CU Kridha Rahardja .............................................. 85

    4.1.3 Struktur Organisasi CU Kridha Rahardja ................................................... 85

    4.1.4 Produk Layanan Keuangan CU Kridha Rahardja ....................................... 86

    4.1.5 Prioritas Kinerja Keuangan dan Kinerja Sosial .......................................... 87

    4.1.6 Sistem Pelibatan Anggota ........................................................................... 97

    4.2 Gambaran Umum CU Tyas Manunggal ............................................................ 99

    4.2.1 Sejarah Perkembangan CU Tyas Manunggal .............................