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p-Index From 2021 - 2026
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All Journal International Journal of Management and Business Economics Amkop Management Accounting Review (AMAR)
I Nengah Suarmanayasa
Universitas Pendidikan Ganesha, Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Microfinance and Village Economic Development: An Empirical Review I Nengah Suarmanayasa; Sutarjo; Monica Feronica Bormasa; Nurlaila Hanum; Yeny Rokhilawati
International Journal of Management and Business Economics Vol. 5 No. 1 (2026): October (Inpres)
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.1974

Abstract

This study undertakes a qualitative systematic review of empirical research examining the nexus between microfinance and village economic development. Guided by the PRISMA framework and employing thematic synthesis, a total of 42 peer-reviewed studies published between 2000 and 2025 were analyzed. The synthesis reveals four overarching themes: (1) microfinance enhances access to capital and stimulates livelihood diversification; (2) it fosters women’s empowerment and strengthens village social capital; (3) institutional sustainability and governance challenges significantly moderate its effectiveness; and (4) under enabling conditions, microfinance generates multiplier effects that can catalyze structural transformation of rural economies. The findings demonstrate that while microfinance consistently contributes to household income, asset accumulation, and microenterprise growth, its translation into village-wide economic development is neither automatic nor uniform. Positive transformation is contingent upon complementary interventions, including financial literacy training, market linkages, robust local governance, and synergy with village development programs. The review underscores that microfinance should be positioned as a catalyst within an integrated rural development framework rather than a standalone panacea. This evidence base offers actionable insights for policymakers and practitioners aiming to leverage inclusive finance for sustainable village development
Analysis of UMKM Traders’ Perceptions and Adoption of QRIS-Based Digital Marketing in Banyuasri Traditional Market, Singaraja Dewa Gede Darmayasa; I Nengah Suarmanayasa; Ni Luh Wayan Sayang Telagawathi
Amkop Management Accounting Review (AMAR) Vol. 6 No. 1 (2026): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v6i1.3755

Abstract

The rapid development of digital technology in the era of Society 5.0 has significantly transformed various sectors, including the economic sector. One of the innovations supporting digital transactions in Indonesia is the Quick Response Code Indonesian Standard (QRIS), which integrates multiple digital payment systems into a single standardized platform. This study aims to analyze the perceptions of Micro, Small, and Medium Enterprises (MSMEs) traders regarding the implementation of QRIS in Banyuasri Singaraja Traditional Market.   This research employs a qualitative approach with a phenomenological perspective. Data were collected through observations and in-depth interviews with MSME traders who utilize QRIS in their transaction activities. The data were analyzed using the interactive model of data analysis, including data reduction, data presentation, and conclusion drawing.   The results indicate that MSME traders perceive QRIS as beneficial in improving transaction efficiency and effectiveness, enhancing business professionalism and image, and expanding digital marketing opportunities. In terms of ease of use, QRIS is considered practical, flexible, and universal, enabling transactions anytime and anywhere. However, several obstacles were identified, including dependence on internet connectivity, limited signal availability, and challenges in withdrawing digital balances into cash. In conclusion, QRIS plays a significant role in supporting the digital transformation of MSMEs in traditional markets. Despite its advantages, continuous support in the form of digital literacy training and infrastructure improvement is necessary to optimize its implementation and enhance MSME competitiveness in the digital economy era.
Co-Authors Dewa Gede Darmayasa Monica Feronica Bormasa Ni Luh Wayan Sayang Telagawathi Nurlaila Hanum Sutarjo Yeny Rokhilawati