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All Journal Madani: Multidisciplinary Scientific Journal Socius: Social Sciences Research Journal
Agustin, Dewien
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Pilihan Rasional Petani Padi Miskin di Kabupaten Ngawi Pada Musim Paceklik Sukma, Panggih Setyaning; Handoyo, Pambudi; Agustin, Dewien
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 5 (2025): Volume 3, Nomor 5, June 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15590957

Abstract

This research analyzes the rational choices of impoverished rice farmers in Ngawi Regency during paceklik, a critical period with no income from harvests. Using qualitative methods and James Coleman's Rational Choice Theory, this study identifies the farmers' strategies in extreme limitations. Farmers are proven to be rational actors who prioritize survival, manifested in: 1) tight spending control and personal food reserves; 2) seeking supplementary work; 3) taking on "pay-one-debt-with-another" loans for urgent needs and production capital; and 4) utilizing social capital from family networks. These choices, though often risky and perpetuating the cycle of poverty, are the farmers' optimal decisions for survival amidst structural constraints. This research affirms that rationality must be understood from the actor's perspective, not an external one, and emphasizes the importance of relevant policies to enhance the resilience of impoverished farmers.
The Meaning of Microloans for Families with Economic Limitations: A Qualitative Study of Bank Mekar Customers Miare, Shine Kurdiati; Agustin, Dewien
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 8 (2026): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19068600

Abstract

Economic inequality in rural Indonesia remains a significant challenge, especially for low-income families who have limited access to formal financial institutions. Microcredit emerges as an accessible alternative solution, particularly for women who manage household finances. This study was conducted in Simongagrok Village, Dawarblandong District, Mojokerto Regency, aiming to understand the meaning and utilization of microloans among housewives who are clients of Bank Mekar. Using a qualitative approach and Max Weber’s social action theory, the research explores the experiences, motivations, and strategies of women in obtaining and managing microloans. Findings reveal that microloans are predominantly used for daily consumption needs and debt repayment rather than productive business capital. Women play a central role as household managers, combining economic rationality with socio-cultural values. Social solidarity within borrower groups provides support as well as psychological pressure. The cycle of debt and strict repayment obligations create tension between aspirations for economic independence and the reality of financial constraints. This study emphasizes that microcredit is a complex socio-economic phenomenon that must be understood within the cultural and social structures of poor rural communities.
Co-Authors Miare, Shine Kurdiati PAMBUDI HANDOYO Sukma, Panggih Setyaning