Innovation of Village Financial System Application (Seskeudes) in the Perspective Of Herbert A. Stepard Theory (Study in Sempu Village, Ponorogo Regency, Indonesia)

he welfare of village communities. The purpose of this research is to describe and analyze
the innovation process of the Village Financial System (Siskeudes) in Sempu Village,
Ngebel sub-district, Ponorogo Regency. To achieve these objectives, this study uses a
qualitative descriptive research method with data collection techniques through
observation, interviews and documentation. The results of this study indicate that judging
from the process of implementing Siskeudes in Sempu Village, Ngebel sub-district,
Ponorogo Regency, it has fulfilled the innovation requirements based on Herbert A.
Shepard's theory which consists of: finding ideas (problem identification, information
gathering, interpretation, statements and attitudes), adoption (socialization and
modification) and application (resource preparation, personnel placement, education and
training, monitoring and evaluation) of Law Number 6 of 2014 concerning Villages.