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Journal : Economics Development Analysis Journal

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 Amalia, Adzania Putri Amran Rasli, Amran Anwar Athoillah, Moh. Awinda, Siti Nur Arliya Axellina Muara Setyanti Axellina Muara Setyanti, Axellina Muara Bahtiar Fitanto Bahtiar Fitanto Bintoro, Nugroho Suryo Cahayati, Nila Cahyani Novianti, Ardiah Salsabila Cahyono, Erwin Candra Aji Kusuma Candra Aji Kusuma Candra Asih, Putri Galuh Candra Fajri Ananda Catur Wulandhari Oktavina Choirul Okviyanto Christiayu Natalia Citra Rahayu Indraswari 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 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 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