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Nurnaningsih, Rita
STAI Pelita Nusa
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A COMPARATIVE STUDY: THE IMPACT OF MICROFINANCE ON COMMUNITY WELFARE IN RURAL AND URBAN AREAS OF INDONESIA Suarmanayasa, I Nengah; Nurnaningsih, Rita; Lubis, Zurlina; Hermansyah, Eko Nur; Astutik, Wahyuni Sri
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/xtf0h728

Abstract

This study investigates the differential impact of microfinance on household welfare in rural and urban areas of Indonesia through a quantitative comparative analysis. Employing data from the 2018 National Socioeconomic Survey (SUSENAS) covering 294,426 households across Indonesia's 38 provinces, this research utilizes binary logistic regression and propensity score matching to assess welfare outcomes. The findings reveal that microfinance access significantly improves household welfare indicators in both settings, with statistically significant stronger effects observed in rural areas (coefficient: 0.312, p<0.01) compared to urban areas (coefficient: 0.197, p<0.01). Rural households with microfinance access demonstrate a 29% increase in monthly income and 23% improvement in consumption expenditure, while urban households exhibit 17% and 14% increases respectively. The study identifies loan purpose, monthly income, interest rates, education level, and household size as significant predictors of welfare improvement. Results indicate that rural poverty rates decreased from 12.22% to 11.79%, while urban poverty declined from 7.29% to 7.09% between 2023-2024. These findings suggest that microfinance serves as a more effective poverty alleviation mechanism in rural contexts, primarily due to limited alternative financial access and higher vulnerability to income shocks. Policy implications emphasize the need for geographically differentiated microfinance strategies that account for rural-urban disparities in financial infrastructure, entrepreneurial ecosystems, and socioeconomic conditions.
Co-Authors Adolf Z. D. Siahay Ana Ima Sofana Asbullah, M. Astutik, Wahyuni Sri Bagus Hari Sugiharto Cahyo M, Eko Diah Fauziah Eko Nur Hermansyah Fauziah, Diah Gastriani, Ovi Prina Hardian , Kiki Hartika, Ika Hutabarat, Metyria Imelda I Nengah Suarmanayasa Jauhari, Burhanuddin Judijanto, Loso Karomah , Nurul Giswi Laksono, Muflih Adi Lasaksi, Pardin Loso Judijanto Lubis, Zurlina Ma’mun, Saepul Nani Nani Nur Ramdhan, Rahmat Nurina, Nabila Pahrijal, Rival Pardin Lasaksi Ramdani, Dito Rival Pahrijal Rivaldianda Putra, Dwiara Rizkyani Putri , Devita Safari, M. Dedy Eko Trisyono Sarkowi, Sarkowi Solihin, Dadin Surya, Rahadiyan Sutira , Andri Tunggara, Imam Yusniar, Yusniar