Financial Management Model of Independent Business Credit

This study aims to determine the model of the management of the KUM (Independent Business Credit) funds poured by KUAT Subak Guama. KUAT Subak Guama has provided women farmers to manage KUM to develop businesses in accordance with their competencies so that they can improve their welfare. The problem that will be examined in this study is how is the KUM fund management model accepted by women farmers, how is the business typology developed by women farmers and how is the relationship between business typologies developed with loans borrowed by women farmers in Subak Guama? Therefore this study aims to find out (1) the model of management of KUM funds by female farmers (2) knowing the business typology developed by women farmers in KUAT Subak Guama, and (3) knowing the relationship between business typology and the amount of credit borrowed by farmers women at KUAT Subak Guama. Data were collected by observation, document study, in-depth interviews and structured interviews with 38 women farmers who participated in the use of KUM credit in KUAT Subak Guama. Data analysis was performed descriptively-interpretatively, qualitatively and quantitatively and multiple regression.