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All Journal Media Riset Ekonomi Pembangunan (MedREP)
Natasya Putri
Universitas Negeri Padang
Economics, Econometrics & Finance Social Sciences

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Pengaruh Kredit Mikro Terhadap Konsumsi Rumah Tangga Miskin Di Sumatera Barat natasya putri; Isra Yeni
Media Riset Ekonomi Pembangunan (MedREP) Vol. 2 No. 3 (2025): MedREP: Volume 2, No. 3, Agustus 2025
Publisher : Universitas Negeri Padang

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Abstract

This research examines the impact of access to microcredit and socio-economic characteristics on the consumption of poor households in Sumatera Barat using data from SUSENAS 2020 and multiple linear regression with robust standard errors. The results show that microcredit has a significant negative effect on consumption, presumably due to ineffective utilization and debt burden. Conversely, employment status, education, gender of the household head, number of members, and urban residency have a significant positive impact, while age has a negative effect. The findings emphasize the importance of a comprehensive approach that includes credit assistance, economic empowerment, and contextual policies to sustainably improve the well-being of poor households.
Co-Authors Isra Yeni