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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) Economics and Finance in Indonesia Jurnal Ekonomi dan Pembangunan Indonesia
Martokoesoemo, Dewi Ratna Sjari
Agricultural Economics Program, IPB University Graduate School, And Universitas Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Journal : Jurnal Ekonomi dan Pembangunan Indonesia

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Dampak Pinjaman Mikro terhadap Kesejahteraan Rumah Tangga Perempuan Pengusaha Mikro dan Kecil Sjari M, Dewi Ratna; Sinaga, Bonar M.; Kusnadi, Nunung; Syaukat, Yusman
Jurnal Ekonomi dan Pembangunan Indonesia Vol. 22, No. 2
Publisher : UI Scholars Hub

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Abstract

This study aims to examine how credit lending can improve MSEs performance, its impact on women micro and small entrepreneurs (PPMK) household welfare, and the determinants of their disinterest in subsidised loans. Using a sample of 82 PPMK households in Depok City and Bogor Regency with the Propensity Score Matching (PSM) method, the results showed loans could boost business income. Still, the government’s credit with low-interest rates is not the primary choice due to limited knowledge, an obligation for collateral, and religious issues such as usury. This study also shows government credit assistance can improve the welfare of MSE households.
Co-Authors BONAR M. SINAGA Bonar M. Sinaga Nunung Kusnadi Sihombing, Ariel Bhaskara Haposan Yusman Syaukat Yusman Syaukat