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All Journal Jurnal Ilmiah Akuntansi dan Humanika Jurnal Ilmu Sosial dan Humaniora Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Jurnal Ilmiah Mahasiswa FEB Journal of Indonesian Applied Economics TEMA (Jurnal Tera Ilmu Akuntansi) Jurnal Ekonomi & Studi Pembangunan Jurnal Ekonomi dan Studi Pembangunan (Journal of Economics and Development Studies) Jurnal Ilmu Ekonomi dan Pembangunan Jurnal Bina Praja Jurnal Ekonomi dan Bisnis Journal of Socioeconomics and Development Jurnal Penelitian Sosial dan Ekonomi Kehutanan Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) International Journal of Social Science and Business Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Warta Penelitian Perhubungan Journal of Innovation in Business and Economics Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) The Journal of Indonesia Sustainable Development Planning (JISDeP) Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Ekonomi Indonesia Jurnal Kependudukan Indonesia Jurnal Ketenagakerjaan Asia Pacific Journal of Management and Education Journal of International Conference Proceedings Central Publisher Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ekonomi dan Pembangunan Indonesia Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Economics Development Analysis Journal Warta Penelitian Perhubungan Jurnal Ekonomi Kependudukan dan Keluarga
Wildan Syafitri
Department Of Economics, Faculty Of Economics And Business, University Of Brawijaya, Malang
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Journal : Economics Development Analysis Journal

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Capital Access Disparities Among Migrant Workers: Evidence from Informal Sector Syafitri, Wildan; Setyanti, Axellina Muara; Cahayati, Nila
Economics Development Analysis Journal Vol. 14 No. 1 (2025): Economics Development Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v14i1.13800

Abstract

This research investigates the dynamics of working capital access among migrant workers in Indonesia's informal sector, aiming to identify key factors influencing capital access and the challenges this group faces. Utilizing data from the Survei Sosial Ekonomi Nasional (SUSENAS), this study employs a logistic regression model to examine various determinants of access to financial capital. The findings indicate that higher education increases access to commercial banks and Bank Perkreditan Rakyat (BPR) loans but reduces access to Kredit Usaha Rakyat (KUR) and cooperative credit. Digital literacy, reflected by internet usage, enhances access to KUR and BPR loans, although it does not influence cooperative credit. Younger and married individuals are more likely to obtain credit, while urban residents are more likely to access commercial bank and BPR loans but face limitations with KUR and cooperative credit. These results underscore the need for tailored financial inclusion strategies that address the specific needs of different demographic and geographic groups. Improving digital literacy and developing customized financial products for migrant informal workers may enhance their financial inclusion and access to working capital.
Co-Authors Afala, La Ode Machdani Affandi, Hafis Demas Afid Nurdian Syah Agus Suman Agus Susilo AKP, Rhamadhany Amalia, Adzania Putri Amran Rasli, Amran Anwar Ardiansyah, Fariz Nur Athoillah, Moh. Awinda, Siti Nur Arliya Axellina Muara Setyanti Axellina Muara Setyanti, Axellina Muara Bahtiar Fitanto Bahtiar Fitanto Bintoro, Nugroho Suryo Bramantyo, Dio Bagus Cahayati, Nila Cahyani Novianti, Ardiah Salsabila Cahyono, Erwin Candra Aji Kusuma Candra Asih, Putri Galuh Candra Fajri Ananda Catur Wulandhari Oktavina Choirul Okviyanto Christiayu Natalia Citra Rahayu Indraswari, Citra Rahayu Clarissa Adventri Clarissa Sekar Anindya Devanto Pratomo Devanto Shasta Pratomo Dio Bagus Bramantyo Eddy Suprapto Elia Nurul Mahmudah Erdiansyah ' Erdianto ' Erni Ambarwati Evi Febriani Evie Dian Pratiwi Fariz Nur Ardiansyah Fatmawati, Inma Fauji, Zihan Fawwaz, Muhammad Ferry Sutiono Fika Sumule Finuliyah, Firdaus Hafis Demas Affandi Imamia, Tsumma Lazuardini Inma Fatmawati Irfan Raharjo Katili, Annisa Pratiwi Khoiruddin, Muhammad Afif Khusnul Ashar Khusnul Ashar Komang, Indora Yusakobus Kusuma, Candra Aji Lukman Hakim Lumbanraja, Tricia M. Fauzan Elva Said M. Pudjihardjo Marlina Ekawati Maryunani Maryunani Mawarni, Sherina Indah Mhd. Daffa Alzahri Miftahul Surur Multifiah . Munawar Ismail Musdar Muhammd mustajaabah, risq Nabilah, Naurah Nik Atul Latipah Norasida, Azira Nugroho Suryo Bintoro Nugroho Suryo Bintoro Nurul Izza Rachmad Kresna Sakti Radeetha Radeetha Rahayu Sapta Nugraheni Ramadhina, Siti Rara Firstia Putri Utomo Refa Dita Praskagitalokananta Reika Happy Sugiastuti Rhamadhany AKP Rizaldi, Muhammad Sari, Mega Mustika Sari, Mega Mustika Setyanti, Axellina M Shierly Sephiani Silvi Asna Prestianawati Silvia Luthfiyah Ghinastri Sulistyo, Tito Suseno, Vimbyarno Purbo Tamin, Alysha Kadeezah Akmal Tamin, Annaurah Kireina Akmal Tasmilah Tasmilah Tasmilah Tasmilah, Tasmilah Tri Andias Wijaksono, Rana Adhiella Yahya, Carissa Marisa Zhahirah, Nasywa Zihla Hasnatul Layli