Ini Sepakbola, Bung....

SANGAT provokatif ketika koran sore Sinar Harapan memakai headline “Hakikat Sepak Bola itu Kemenangan” pada edisi Senin, 18 Maret 2013. Namun seandainya provokatif, tendensius, dan berlebihan, minimal bisa menarik kocek saya untuk membelinya. Statemen itu mengutip pernyataan kolumnis sepakbola Indonesia, yang sudah almarhum, Kadir Yusuf.

Semula saya menolak mentah-mentah sinyalemen yang “sederhana” itu. Kalau diteruskan, maka sebuah tim hanya mengejar kemenangan semata, tanpa ada jiwa seninya. Maka berterimakasihlah kepada Maradona, Zidane, Messi, dan barangkali Andik Virmansyah, merekalah yang memasukkan unsur keindahan dalam gocekan bolanya.

Kalau “hakikat sepakbola adalah kemenangan” diteruskan, maka bisa-bisa yang menggelora adalah asal menang. Sehingga bisa muncul negatif footbal. Ibaratnya Chelsea yang menaruh bis di depan gawangnya –saat melawan Barca di ajang Champion 2012 lalu. Yang penting menang, alias menghalalkan segala cara. Tapi hati ini serasa hipokrit ketika menonton PSSI lawan Arab Saudi hari Sabtu (23 Maret) lalu. Kok ndilalah, bola yang dikuasai terus menerus oleh Arab, menit kelima jatuh ke Boas Salossa, dan gol dengan dua sentuhan.

Indonesia unggul 1-0 pada menit kelima. Bayangan saya, biarlah pertandingan dikuasai Arab, yang penting Indonesia menang. Tapi ternyata, hukum alam –alias ciptaan Tuhan-berlaku. Mereka yang berusaha lebih banyak, hasilnya lebih gedhe juga. Arab mendominasi, dan merekalah yang menang.

Seperti melihat pertandingan Italy lawan Belanda dulu tahun 2000 di Piala Eropa. Dominasi total football dalam pertandingan tersebut takluk dengan grendel catenaccio Italia. Saya berharap demikian adanya pertandingan PSSI kemarin. Tapi lagi-lagi apa daya. Keberuntungan berpihak kepada mereka sang penguasa –maksudnya yang menguasai pertandingan.

Pelatih legendaris Indonesia asal Belanda, mister Wiel Coerver (1924-2011), yang pernah melatih Indonesia tahun 1975-1976 pernah mengatakan, inti sepakbola adalah memenangkan duel satu lawan satu. Pernyataan Kadir Yusuf tadi bila dituliskan secara lengkap adalah: Inti dari sepak bola adalah bagaimana mencetak gol lebih banyak ke gawang lawan –daripada tim lawan mencetak gol ke gawang kita.

Seminggu sebelumnya, kepengurusan PSSI bisa “reuni” dengan hanya satu bond di tanah air (Ahad, 17 Maret). Ini salah satu bentuk kemenangan yang kompromis. Ketika La Nyalla Mattalitti (Ketua KPSI alias Komite Penyelamat Sepakbola Indonesia) mau menjadi Wakil Ketum PSSI dibawah Djohar Arifin. Jadi inti sepakbola adalah kompromi bukan.....

Selain itu, dan pasti, hakekat sepakbola adalah berbuat baik. Ini yang tampaknya kurang dari pemain sepakbola. Semangat mencederai lawan, semangat yang berlebihan dalam merayakan gol di hadapan lawan, itu bukan semangat yang betul.  Coba pelajari bagaimana seorang Christian Ronaldo tidak mau merayakan golnya di depan publik Manchester, karena mungkin takut melukai perasaan mantan klubnya. Atau bagaimana CRonaldo tidak mau bertukar kaos dengan pemain Israel, karena takut menyinggung tanah Palestina –tuan rumah sebenarnya- di atas stadion tersebut.

Sepakbola adalah refleksi kehidupan ini bro. Sabar dan syukur salah “dua”nya. Sabar dalam menguasai pertandingan, dan syukur atas gol yang diciptakan.

My Poem on Febr "13

Masihkah Hujan Mengguyur Kota Ini

Ini bukan soal banjir yang melanda kotamu
tapi air di matamu yang membeku dan membekas
siang itu seperti kemarin hujan menyapaku
di tengah surya yang menghujam panas
bukan tentang panas itu lagi-lagi bukan
dan kamu adalah esnya di antara batu-batu
tapi bukan itu lagi-lagi bukan
karena auramu ialah sekam menyatu satu
dan bisakah aku membuatkanmu kolam
yang tengahnya lampu namun bersinar kelam
lalu kamu menepi karena alasan rancu
lalu aku seperti menyesali sesuatu
karena auramu ialah sekam menyatu satu
dan bisakah kuyakin segera meninggalkanmu
tapi bukan itu lagi-lagi bukan
karena auramu menarik seperti sang malam
dan kerlingmu adalah bohlam, bohlam, bohlam,
tapi bukan itu lagi-lagi bukan
apapun itu semakin semakin aku
karena aku semakin terpekur dalam
guyuran hujan cintamu

Problematika 5M dalam KKPE/ KUPS

KREDIT Ketahanan Pangan dan Energi (KKPE) adalah jenis kredit investasi dan/atau modal kerja yang diberikan oleh Bank Pelaksana kepada petani/ peternak melalui kelompok tani atau koperasi. Sedangkan Kredit Usaha Pembibitan Sapi (KUPS) merupakan skema kredit program dengan suku bunga bersubsidi yang disediakan oleh pemerintah untuk menciptakan tatanan iklim usaha yang mampu mendorong pelaku usaha bergerak di bidang pembibitan sapi.

Sampai saat ini realisasi KKPE dan KUPS masih rendah, mengutip pidato sambutan Pimpinan Bank Indonesia (BI) Medan saat memimpin rapat "Review Pelaksanaan KKPE dan KUPS di Sumatera Utara" (Kamis, 19 Mei 2011), untuk skala nasional masih berkisar 25 persen (KKPE) dan 4 persen (KUPS). BI sendiri sangat concern dalam memantau perkembangan kredit program karena perannya untuk koordinasi dan kerjasama dengan pihak terkait dalam rangka mendukung kebijakan perkreditan.

Selama mengikuti rapat koordinasi tersebut, penulis mengindikasi terdapat 5M yang menjadi problematika rendahnya pencairan skim kredit KKPE dan KUPS di Sumatera Utara. Ke-5 M tersebut adalahMan, Manajemen kelompok, Mitra, Market, dan Material. M yang pertama adalah man, artinya sumber daya manusia yang berkaitan dengan program ini. Bisa dari pihak debitur atau calon nasabah –yaitu petani atau peternak. Bisa juga aparat pemerintah, yaitu pejabat di pemerintah Pusat/ Daerah, dan petugas teknisnya –yaitu para Penyuluh Pertanian Lapangan (PPL). Para petani sering menyampaikan keluhan bahwa mereka tidak paham betul mengenai skim kredit program, baik informasinya, maupun cara mengakses. Bahkan muncul persepsi bahwa kredit program adalah "hibah" dari pemerintah.

Hal tersebut menyangkut lemahnya sosialisasi dari pihak Kementerian (man berikutnya). Pihak kementerian dan pemerintah daerah belum mempersiapkan aparatnya untuk sosialisasi. Demikian pula para PPL belum mempersiapkan data kelompok tani (Poktan) yang potensial –versi pihak bank. Bank merasa memiliki kelemahan di sisi petugasnya (account officer atau AO bank) dalam mengetahui perihal teknis pertanian, dan aplikasi skim kredit program. Untuk itu diharapkan kerjasama dengan PPL dalam menutup kelemahan sisi teknis ini.

M yang kedua adalah Manajemen kelompok. Artinya kesamaan visi dari anggota Poktan. Anggota kelompok musti sepaham terlebih dahulu dalam memajukan timnya. Dalam menyusun Rencana Definitif Kebutuhan Kelompok (RDKK) harus melalui musyawarah mufakat dengan dibantu petugas teknis –yaitu PPL dalam hal ini. Saling mengingatkan dan membantu Poktan atau sesama anggotanya akan menjauhkan dari kemungkinan kredit macet (NPL/ non performing loan).

M yang ketiga adalah Mitra. Menjadi tantangan tersendiri untuk mengajak mitra –berupa Bapak Angkat dalam pola inti dan plasma- yang relevan dalam program ini. Bapak angkat setidaknya mampu menjamin keberlangsungan usaha terutama mengingat minimnya dana yang disiapkan dalam skema kredit program. Pihak Bank Sumut menyatakan belum ada mitra yang mau ikut serta terutama dalam proses merevitalisasi perkebunan, yang sangat membutuhkan keterlibatan Bapak angkat.

M yang keempat adalah market atau pasar. Kedua sektor –pertanian dan peternakan- memiliki perbedaan perlakuan pola pasarnya. Peternakan pasarnya sangat luas tetapi supply dari dalam daerah Sumut sendiri kurang, sehingga terpaksa impor. Sementara pertanian, terutama beras, sangat melimpah di Sumut. Tetapi harga beras di Sumut tetap tinggi, karena menurut sinyalemen salah seorang peserta rapat, beras dari Sumut dipasok ke Cipinang untuk menyangga kebutuhan beras nasional.

M yang terakhir adalah material. Maksud dari material di sini adalah materi yang diagunkan, atau collateral. Walaupun pihak BRI menyatakan bahwa agunan "hanya" merupakan syarat kelima (setelah keempat syarat yang lain yaitu character, condition, capacity, dan capital). Tetapi bagi bank lain syarat material agunan sangat diutamakan. Surat Kepemilikan Tanah (SKT) dipandang belum cukup –harus memakai sertifikat tanah. Demikian pula akta jual beli. Perlu terobosan dalam hal kebijakan agunan ini. Melibatkan Badan Pertanahan Nasional (BPN), pemerintah provinsi, dan pemerintah daerah. Melibatkan BPN menyangkut rencana tata ruang dan wilayah (RTRW). Sehingga jangan sampai Pemprov telah memberi ijin usaha tempat (pertanian) tetapi terkendala oleh peraturan BPN, karena dianggap melanggar RTRW.Penelitian dari Puslitbang Fakultas Ekonomi USU (2008) menyebutkan bahwa kendala utama yang dihadapi perbankan dalam merealisasikan KKPE adalah penjaminan pinjaman (kolateral), dan legalitas kepemilikan tanah. Perbankan tidak progresif menyalurkan KKPE karena material agunan yang dimiliki petani tidak menjamin pengembalian kredit. Permasalahan lainnya adalah relatif rendahnya jumlah pagu indikatif yang dapat diberikan oleh perbankan. Masalah yang lebih teknis, misalnya tidak tersedianya pupuk –walaupun kredit telah cair.Fenomena lambatnya pencairan KKPE dan KUPS mengindikasikan adanya asymetric information dari Pusat ke Daerah, terlebih lagi dari program pemerintah ke masyarakat akar rumput. Dalam kajian atau perspektif ekonomi, persoalan kesenjangan informasi merupakan perihal mendasar yang melandasi asumsi pasar. Sehingga kegagalan pasar (market failure) salah satunya disebabkan oleh kesenjangan informasi.

Dalam konteks para penggagas pemberdayaan ekonomi, perang asimetris sudah lama terjadi. Ia adalah kesenjangan antara pengusaha mikro, kecil, menengah (UKM) dengan lembaga pembiayaan seperti perbankan.Kesenjangan informasi yang sama juga terjadi ketika lembaga keuangan, baik bank maupun lembaga keuangan mikro (LKM), saat berhadapan dengan calon nasabah. Nasabah lebih tahu dari bank/LKM tentang kapasitas keuangan dan kredibilitas mereka. Kalau bank/LKM salah dalam menilai kredibilitas nasabah, akan ada moral hazard di fihak peminjam untuk tidak mengembalikan pinjaman. Karena itu bank dan lembaga keuangan formal selalu meminta jaminan (collateral) yang besar dengan persyaratan tebal.Sehingga Ghatak dan Guinnane (1999) dalam artikelnya, memberikan deskripsi dan ilustrasi mengenai bagaimana lembaga keuangan mikro atau LKM dapat menanggulangi masalah kesenjangan informasi beserta dampaknya melalui metode group lending. Metode ini telah terbukti sukses di Grameen Bank di Bangladesh. Grameen Bank menyalurkan sebagian besar kreditnya kepada masyarakat miskin tanpa jaminan.Selain metode kelompok, proses pendampingan diperlukan untuk mengatasi persoalan asimetris ini. Karena pemerintah memiliki keterbatasan untuk turun langsung ke lapangan, sementara masyarakat memiliki keterbatasan untuk menanyakan secara langsung. Maka dibutuhkan "kepanjangan tangan" para pendamping untuk menyukseskan program. Peran PPL sangat dibutuhkan dalam pendampingan tersebut. Juga keterlibatan pendamping "plus" berupa Konsultan Keuangan Mitra Bank (KKMB) yang setiap tahun rutin dilatih oleh Bank Indonesia ***

dimuat di harian Analisa hari Jumat tanggal 03/ 06/ 11 http://www.analisadaily.com

2008 Times for Simon

SIMON Santoso, who lost in the finals of the last two tournaments he played in 2008, came up with the match he needed against Malaysia's Roslin Hashim, at the middle of September 2008. Simon has been a runner-up three times since the Super Series was inaugurated in early 2008. Two of these results came in the last two tournaments he played -in Singapore and at home in Jakarta- both in June. Yet, Santoso's only ever recorded win came in a satellite tournament way back in 2005. All of that changed today. Unfortunately for the badminton world -and for Simon, who has too often laboured in the shadows of his star compatriots- it was in the barely-televised, barely-Internet-connected obscurity of Taiwan that the Indonesian fought off a dangerous challenge from Malaysian veteran Roslin Hashim to take his first ever major title –quoted from badzine.com. Simon won two sets versus Lee Tsuen Tseng from Malaysia at the quarter final. Indonesia's top male badminton player Simon Santoso and mixed doubles team Devin Lahardi/Lita Nurlita won gold medals at the Taiwan Open on Sunday, Antara news agency reported. Top seed Simon Santoso secured the gold medal after taming the seventh seed from Malaysia, M Rosloin Hasyim, 21-18, 13-21, 21-10. Simon is like Eddy Kurniawan or Hastomo Arbi, and maybe Joko Supriyanto. They’re all runner-up specialist. Then PBSI have some therapy to the specialist by send him/ them to the ‘little’ tournament so he can became the winner in the small championship. He said on Jakarta Post "I made many mistakes in the second game because the direction of wind was difficult to predict and I played too carefully." This was Simon's first gold medal in three years. His last was when he won the Vietnamese Satellite in 2005. on the other final match Indonesia's mixed doubles team Devin Lahardi/Lita Nurlita dashed the hopes of host players Fang Chieh Min/Cheng Wen Hsing, beating them 14-21, 21-11, 21-19. the coach, Aryono Miranat say that, "They lost the first game because they weren't concentrating." In the women's doubles, Indonesians Jo Novita/Rani Mundiasti settled with silver after losing in straight sets to host players Cheng Wen Hsing/Chien Yu Chin, 16-21, 17-21. Bahasa version at http://perbulutangkisan.blogspot.com/. Yuni Andono Achmad. My friendster at http://profiles.friendster.com/9275817

Yulianti’s medal is like gold for us

MARIA Kristin Yulianti beat China’s Lu Lan 11-21, 21-13 and 21-15 to clinch third place in the Badminton Women's Singles event on Saturday, August 16, in Beijing Olympic. She got bronze medal. Lu led throughout the first game, winning 21-11 with ease. The second game, however, saw the two shuttlers keep close scores until Yulianti led 7-6. She grabbed the next seven points to lead 14-6 and held this advantage to the end of the game, winning 21-13. Yulianti played in better form than her rival in the tie-breaker, she is very heroic player, reaching 18-8 after a tough contest. Although Lu revived a bit and got the next four points to narrow the gap to six points, and further cut it to four points later, Yulianti managed to reach 21 points first and grabbed this game 21-15. After Mia Audina (silver medal in Atlanta 96) and Susy Susanty got the gold in 92 (in Barcelona) and bronze in Atlanta 96, the Indonesian women single is nothing in olympic. But here she come: Maria Kristin Yulianti. It is the right moment on country’s anniversary August 17th. She made the China’s audience cry. On the other match, The flag red and white with the song "Indonesia Raya” is sung up in Beijing Olympic. The 23 years old, both, Markis Kido and Hendra Setiawan have won the gold medal in men’s doubles badminton beating Chinese pair Cai Yun and Fu Haifeng 2-1 in three sets, 12-21, 21-5, 21-17. Our pairs en route to the top of the podium. "I cannot emphasize enough how important this Gold medal is to me and to my country, which is celebrating its National Day at the end of the month (17th August)," said a joyful Kido. "I feel extremely honored and emotional about tonight. "We have been building up for this tournament for a very long time and have worked very hard for this." It has been a tradition for Indonesian to win gold medals since Barcelona Olympic at 1992. On behalf of Indonesia we aim to continue the tradition, and we hope to grab at least one gold in every Olympic. How on next Olympic: London 2012. We have another two players, new, still boys and very young in weightlifting: Eko Yuli Irawan and Triyatno. The first medal for Indonesia in Beijing were grabbed from Eko Yuli (bronze, men weighlifting, 56 kilograms) and the 2nd is Triyatno (bronze, men weighlifting, 62 kilograms). So besides badminton, we depend on weightlifting player to get gold in London 2012. BAHASA Indonesia version at http://perbulutangkisan.blogspot.com/2008/08/perunggu-yulianti-serasa-emas.html

Beijing’s Olympic is Asian Games

OLYMPIC Games which held in Beijing started from 8th August is similar with Asian Games. Case for final part of Badminton. No European at all. The semifinal all for Asian player. Danish shuttlers Lars Paaske and Jonas Rasmussen is beaten by Indonesian man double. Kamilla Rytter Juhl and Thomas Laybourn of Denmark is stopped by Indonesian mixed double. Number 4 (four) seeded Tine Rasmussen from Denmark loss from Indonesian women single. British Mixed Doubles duo Gail Emms and Nathan Robertson was outplayed by players from Republic of Korea. And the legend, Peter Gade is cruised past by number one player of China, Lin Dan. What about the women’s double? In the quarter final, all is Asian. No European at all.
Indonesians Markis Kido and Hendra Setiawan are only a step away from the 2008 Beijing Olympics badminton men’s doubles gold medal after ousting Danish shuttlers Lars Paaske and Jonas Rasmussen 21-19, 21-17 in 31 minutes in Beijing on Friday. the final, Kido and Hendra will meet the winner between second seeds Cai Yun and Fu Haifeng of China and South Koreans Lee Jaejin and Hwang Jiman. Indonesian mixed doubles third seeds Flandy Limpele and Vita Marissa advanced to the 2008 Beijing Olympics semifinals after sweating out to oust Kamilla Rytter Juhl and Thomas Laybourn of Denmark 21-17, 15-21, 21-17. Determined to move past his unexpected first-round exit in Athens, Lin, a heavy favorite, is geared up for the coveted Men's Singles gold medal. Lin cruised past Gade 21-13, 21-16 on August 14 to enter the semifinal, continuing his undefeated run for gold in the tournament. The anticipated heart-pounding clash turned out to be a disastrous outing for Gade, who was no match for Lin's super high tempo and unassailable smashes. Yulianti, on the other hand, was an overachiever in this competition. Ranking 21st in the world, she overcame World No. 4 Tine Rasmussen of Denmark and World No. 15 Saina Nehwal of India to come this far. However, her luck ran out in this semifinal.British Mixed Doubles duo Gail Emms and Nathan Robertson was outplayed by Lee Hyo-jung and Lee Yong-dae of the Republic of Korea 21-19, 21-12 in the quarterfinals of the Olympic Badminton tournament on Thursday, August 14.Source: http://results.beijing2008.cn, and thejakartapost. BAHASA Indonesia version at http://perbulutangkisan.blogspot.com/2008/08/olimpiade-beijing-adalah-asian-games.html

KUR or KURaP

ON November 5th 2007 the President of Republic of Indonesia has launched the People’s Entrepreneurship Credit (Kredit Usaha Rakyat, KUR). This program, under responsibility from the Ministry of Cooperatives and Small and Micro Enterprises, existed in order to facilitate poor people to get access to the financial services. This program hoped to reach the poor people to get capital to start their own micro enterprises. Until the end of 2007, realization of KUR is 485 billion rupiahs (about 9200 rupiah is similar with 1 dollar USA). The last data I got from Coordinating Team for Poverty Alleviation, Ministry for Coordinating People Welfare mention that on March 31st 2008 the number hit the amount 3 trillion rupiahs (Rp 3.276 trillion) and the customer close to 187.860 people.
I have some idea to read the implementation of KUR. Better that we see the ‘location’ of the realization of KUR –not just ‘how much’ the money to be dropped. To implement the mottos ‘employment, income, and growth’ KUR must be replicable for poor people in rural, and working in agriculture. How if the name of the program not jus KUR but KURP or more provocative we can use the abbreviation of “KURaP DiiSeP” (Kredit Usaha Rakyat Perdesaan di Sektor Pertanian: Urban People’s Entrepreneurship Credit in Agricultural Sector). Ridiculous of bank KUR just services to the urban people like in Jakarta –because it is a kind of trade off program with the Official Jakarta’s project to decrease the number of informal micro entrepreneur.
Marguerite Robinson ever wrote about the learn lesson of BRI in Indonesia. The reform of BRI's microbanking system was undertaken in order to bring about a major increase in the availability of financial services-initially a profitable financial for the rural population and later for low-income urban residents as well. BRI is state owned bank.

KUR should become a special services that are widely available in rural areas and in low-income urban neighborhoods help the poor improve their financial security, allow them to take longstanding advantage of business opportunities, and facilitate the growth of their enterprises.
In Indonesia sustainable microfinance in the formal sector began in 1970 with interest in the the opening of Bank Dagang Bali (BDB), a private bank in Bali, and attained nationwide coverage with the 1984 restructuring of the unit desa, or local banking -emerging, system of the state-owned Bank Rakyat Indonesia (BRI).

According to empower the rural poor people who work in agricultuture, in the 1970s BRI opened more than 3,500 village units to channel subsidized government credit to rice farmers through BIMAS. It is a tremendous program under supervising by almarhum Soeharto. Bimas or “Bimbingan Massal” is the credit component of Indonesia's massive rice intensification program. As it turned out, the rice intensification program was highly successful, but its credit component was not. The long-term results of BIMAS were similar to those found in many developing countries. The subsidized loans, being at below-market interest rates and so in demand by wealthier farmers, often did not reach poor farmers. Moreover, arrears and losses were high. The program was phased out in 1985.
The Bimas program has passed away but we have to learn about. KUR must be focused to rural poor people who live and work in agriculture. Not just how much money to be dropped. Go to our beloved village, back to rural. focused on agriculture…

Huurrray... Im Graduate

FINALLY, I am graduated. I reach the master degree. How happy I am. After waiting for 3 years, at July 2nd I have followed the comprehend test. On 4th July MPKP called me and told that I have passed the examination (thesis and economic subject). Next on 30th August I will go along graduation ceremony to became ‘master in economic’ at Faculty of Economic, University of Indonesia. My program course is “Master of Planning and Public Policy”. My thesis theme is “Spatial Analysis for Poverty Alleviation Program: Kelompok Usaha Bersama (KUBE/ Cooperative Micro Business Group)”. This thesis for fulfilled master degree is under supported by Doctor Jossy Moeis as my promoter. Ladies andf gentlemen, here is my ABSTRACT refer to the thesis.
The poverty alleviation program has established for long time in Indonesia history. Poverty oriented development program started systematically in 1975/ 1976 when the success of Repelita 1st (Repelita: Rencana Pembangunan Lima Tahun, Development Planning for 5 Years) in speeding up growth also reveal serious income distribution inequalities. Another version –quoted from Smeru-mention that despite the fact that a large number of Indonesians were living in poverty, poverty eradication was never clearly set as a development goal in the first five rounds of the Five Year Development Plan (Pelita I to V) between 1969 and 1994. Only in 1994, at the start of Pelita VI did the government explicitly identify the target for reduction and eventual elimination of poverty. Several direct and indirect approaches have been employed in order to alleviate poverty in Indoensia. Among the direct poverty reduction efforts launched, four of the initial major program were: (i) the Presidential Instruction on Disadvantaged Villages or Inpes Desa Tertinggal; (ii) the Family Welfare Development Program or Takesra/ Kukesra; (iii) the Income Generating Project for Marginal Farmers or Program Peningkatan Pendapatan Petani/ nelayan Kecil (P4K); and (iv) the twin Urban Poverty Reduction Program (P2KP), and Kecamatan Development Program (PPK).
In 1982 Department of Social Affairs launched Kelompok Usaha Bersama -KUBE/ Cooperative Micro Business Group -as an effort to eradicate the number of ‘fakir miskin’ people. Fakir miskin similar with the poorest of the poor. KUBE is a group of poor families created based on their choice, co interacting to each other, living in a certain areas with the purpose of improving the productivity of their members, building harmonious social relation, fulfilling the needs of their member, solving social problems existing around them and becoming the mean of co-partnering business activities.
According to management principles, poverty alleviation program could be devided into activities: planning, organizing, leading/ actuating, and controlling. Planning, essential to the success of any program, is typically includes identifying goals, objectives, methods, resources needed to carry out methods. In this research planning is identified as the way of choosing regency/ municipalities (kabupaten/ kota) as location of the program. The method of KUBE program due to choose some priorities regency/ municipalities is the total number of fakir miskin or the poorest of the poor in that area. This research focus on how the KUBE program could catch-up the spatial concentration due to poverty enclave under region of kabupaten/ kota.

The other goal of this research are first to show a descriptive pattern of spatial concentration of poverty in Indonesia especially in Java, measure inequalities in poverty rate between provinces in Java. Seccond to know how the KUBE’s people reach the benefit of spatial concentration. On the year of 2004/ 2005, KUBE program under scheme of Micro Finance Institution –collaboration with Pinbuk or Pusat Inkubasi Bisnis Usaha Kecil (Incubation Center for Small Medium Enterprise). On 2006 the program named with Surat Kuasa Pengguna Anggaran or SKPA (Authorization Letter Budget Spender) –Department Social Affair give authority to the head of Social Institution in kabupaten/ kota to use the money, and 2007 with Bantuan Langsung Pemberdayaan Sosial (BLPS) or direct transfer for social empowerment. The result of this research showed that, although the concept of BLPS is better off than the other schemes in order to catch-up the spatial concentration but BLPS’s implementation of choosing regency/ municipalities is not better than the other –or than the previous years. The other conclusion, based on qualitative research in kecamatan Wedi kabupaten Klaten and kecamatan Minggir kabupaten Sleman, showed that the mechanism to choose KUBE member must be aware of market –besides input and labor resource. I use Kruskall-Wallis test, Wilcoxon test, and Theil Index to explain how right/ wrong the poverty enclave to be implemented in KUBE Program. yuni andono ahmad

BePe became the 1st man in England?

NUMERO uno sport in Indonesia is footbal. No other sport is as popular as football in this Republic. Organized by PSSI or Persatuan Sepakbola Seluruh Indonesia (Indonesian Footbal Association). But the most prestigiuos sport in Indonesia is Badminton under management by PBSI (Persatuan Bulutangkis Seluruh Indonesia). So my favourite joker –bapak Kelik Peliur Lara- mentioned to PSSI to change the abbreviation became PBSI too. PBSI means “Persatuan Bola Sepak Indonesia”. That’s a good joke.
In the 1970s, Indonesian foorball ranked along one of Asias leading football nations. In 1991, they won the South East Asian Games. Earlier on in Melbourne in 1956 they had qualified for their first and only Olympic Football Tournament. Several players are now playing or used to play in foreign leagues. The most famous names are Ricky Yacob (Kashima Football Club in Japan), Bima Sakti (in Sweden) and Kurniawan Dwi Yulianto (in Switzerland).
I quoted from http://www.eyefootball.com/news/4572/Derby-want-Indonesian-star?/ that Derby County –the team that would be degradated next season- is really want to take Bambang Pamungkas as their striker. If it is happened so bambang Pamungkas (or BP, but fans here call him as BePe) maybe become the 1st Indonesia man standing in FA league. BP ‘s age firs cap for PSSI is 2- 7-1999 vs. Lithuania 2-2. He was born on the date june 10th 1981 position forwarder, height 170 centimeter. He ever played football for Selangor FC in Malaysia. Here is the list Indonesian player who ever played in abroad: Robby Darwis for Malaysian’s club (maybe on 1988 year), Ricky Yakob for Japan’s league (Kashima Footbal Club maybe 1990), Bimasakti (Helsingborg in Sweden), Kurniawan Dwi Yulianto (Lucerne FC maybe 1995).

Derby are reportedly interested in signing Persija Jakarta's forward Bambang Pamungkas as they prepare for next season in the Championship according to various media sources. Derby boss Paul Jewell has reportedly told impressive Argentinian forward Emanuel Villa there is a future for him at the club, but wants to add an experienced attacker to play alongside him. The 27 year old Indonesian currently plays for Persija Jakarta (Persija= Persatuan Sepakbola Indonesia Jakarta), and has played all of his career in the Asian leagues whilst other impressive Indonesian talent Kurniawan tried his luck in Italy with Sampdoria temporarily. Derby are supposedly preparing a £300,000 offer for Pamungkas, who has already been linked with a move this summer to Australian side Perth Glory.

Pamungkas has over 45 caps for Indonesia bagging 23 goals. Bambang's agent in Europe, Anthony van Dalen, had previously revealed that several clubs in Europe are ready to give the player a try out. Should Derby sign Pamungkas, it is believed that they are ready to benefit a huge amount commercially as many regard Pamungkas as one of the best players to come from Indonesia.

Cut Poverty by Microfinance Sustainability

BAPAK Abdul Salam has finished his thesis to fulfilled doctoral degree in University of Gadjah Mada at December 2007. He ever been predicated as ‘Father of BPR’ in Indonesia. BPR is Bank Perkreditan Rakyat or people’s credit bank. From 2006 pak Salam is Director For Finance in Bank Rakyat Indonesia. Salam’s thesis about the sustainability of saving and Loan Cooperatives /koperasi simpan pinjam. In his thesis, he quoted the Lincolin Arsyad’s dissertation. Mister Lincolin is my lecturer for Economic Development class at 1997. Pak Lincolin’s thesis is about “An Assesment of Performance and Sustainability of Microfinance Institution: A Case Study of Village Credit Institutions in Gianyar, Bali, Indonesia”. The thesis Submitted for the Degree of Doctor of Philosophy Faculty of Social Sciences, Flinders University Adelaide, Australia at the year 2005. Now I want to copy and paste mister Lincolin’s Abstract. I take it from http://catalogue.flinders.edu.au/local/adt/uploads/approved/adt-SFU20060621.142512/public/01front.pdf. Microfinance institutions have evolved as an economic development tool intended to benefit low-income people. The benefit, however, can only be achieved if the institutions have a good financial and outreach performance. This study has three objectives. The first objective is to assess the influences of informal and formal institutions and their interrelationships on the practical operational arrangement of Village Credit Institutions of Bali (Lembaga Perkreditan Desa or LPD). Second, to evaluate the financial performance and outreach indicators of the institutions and to assess the influence of informal and formal institution on the sustainability of the institutions, which has received little attention from previous studies. Finally, to outline some elements of a strategic business plan for two selected village credit institutions (LPDs) in Gianyar district, LPD Mas and LPD Kerta.
By using a case study approach, this study finds that the informal institutions (such as social values, norms, and sanctions) have significant influences on the practical arrangements of the LPDs, including the organisation, recruitment procedure, delivery mechanism, and remuneration system. Along with the influence of informal institutions, the formal institutions have also had some direct influences on the practical operational arrangements of the LPDs that are reflected in the supervision and guidance system of LPDs, an obligation to apply prudential principles of banking, and the remuneration system. The findings also show that the local government regulations (formal institutions) concerning the LPDs have accommodated the informal institutions of the Balinese in the background of their establishment, status and ownership, and organisation of the LPDs.
Based on the performance indicators - portfolio quality, leverage, capital adequacy ratio
(CAR), productivity, efficiency, profitability, self-sufficiency, and outreach – the LPDs in Gianyar district could be considered as success microfinance institutions. The success is influenced by some important factors. First, the use of local people in managing the LPDs and the application of character-based lending system in screening the clients. This has resulted in a high clients’ sense of belonging and moral obligation to support the development of the LPD Second, the use of social (custom) sanctions in the contractual enforcement has forced the borrowers to comply with their credit contract in a timely fashion. Third, the use of local community personnel whose remuneration is based on performance and low transaction costs has resulted in the high efficiency of LPDs. Fourth, a growing economy and supporting government policy at all levels through provision of a legal basis for the LPDs and the Central Bank regulation (formal institutions) have also contributed to the success of the LPDs. Thus, based on the necessary conditions of sustainable microfinance institution proposed by some scholars(Yaron 1994; Christen 1998), it can be concluded that the Gianyar district LPDs have been sustainable, and by that implication they have positive net social benefits for their clients.
Any attempt, however, to replicate the achievements of the LPDs by imitating its mode of
operations should be conducted with great caution. A mechanism that works well in one
socioeconomic environment (in this instance, in Bali) will not necessarily work in another, where the social system including social norms and values are different. But, the experience of the LPDs is a valuable thing since it has highlighted some critical issues that should be considered when handling the complex issue providing financial services to rural people.yuni andono achmad