| 總結: | Social development is part of the contributors to the country's progress. Economic
development framework underlying the progress of the world over the past five decades
increasingly aligned with the social development framework for huge implications on
human development and the environment. The emphasis on social development that began
around the 1980's was seen as vital for the sustainability and progress of a country. The
patterns of governance in Malaysia and Indonesia affect social development of both
countries. Different social situations based on the total population, the changes and trends
in the history of development of the country. This difference exists because poverty
eradication strategies made by both countries to move on uneven stage. Prolonged debate
exists concerning the effectiveness of anti-poverty programs through micro-credit to the
well-being of the poor. Some studies show microcredit have positive impact to the poor
people's lives. However, other studies stated that what actually seemed as a remedy is
actually just an increase in the business income that does not necessarily bring about to a
better well-being of the poor. This research identifies the impact of the implementation of
social interventions brought in through microcredit schemes of poverty alleviation
programs for the welfare being of society in Malaysia and Indonesia. The methodology
used was a combination of the quantitative and qualitative methods aimed to get the
maximum results. Data analysis performed on the respondents indicated four factors
leading to the failure of the welfare of the community. These factors are social networks,
community participation, community development and employment opportunities. This
research suggests that agencies involved in poverty alleviation through microcredit
schemes must carry out appropriate efforts towards the empowerment and active
participation of the respondents in social and economic investment as stated in the
Standard Model of Social Development.
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