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All Journal Jurnal Manajemen Terapan dan Keuangan International Journal of Education, Social Studies, And Management (IJESSM)
Putri, Siti Rahmayanti
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The Role of Microfinance Institutions in Community Economic Empowerment: Perspectives of Actors and Customers Putri, Siti Rahmayanti; Aldine, Thia Thania; Darus, M. Aza Raja; Aulia, Dinda; Hayati, Fitri
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 3 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i3.561

Abstract

Microfinance institutions (MFIs) play an important role in community economic empowerment, especially for micro, small, and medium enterprises (MSMEs) and low-income groups that are not covered by formal financial institutions. This study uses the literature review method to analyse the strategic role of MFIs in supporting community economic improvement from the perspective of the actors and clients. The results of the study show that MFIs not only provide financial services, but also act as initiators, facilitators, and assistants in the empowerment process. MFIs support business development through the provision of capital, financial education, and management training, which helps MSMEs improve business quality and competitiveness in the market. In addition, MFIs contribute to creating financial inclusion in remote areas and support the empowerment of women in entrepreneurship. The multiplier effect of optimising the role of MFIs includes increasing community income, reducing poverty, creating new jobs, and strengthening the national economy in a sustainable manner. Therefore, institutional strengthening, human resource capacity building, and synergy between the government and MFIs are needed to support more equitable and sustainable community economic empowerment.
PENGARUH LITERASI KEUANGAN DAN LIFE STYLE TERHADAP KEPUTUSAN MENGGUNAKAN PINJAMAN ONLINE (PINJOL) ILEGAL DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL MODERATING BAGI GENERASI Z DI KOTA MEDAN Putri, Siti Rahmayanti; Nasution, Juliana; Atika, Atika
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 03 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i03.48339

Abstract

Penelitian ini berfokus pada praktik penggunaan "pinjol", atau pinjaman online ilegal, dan menunjukkan bagaimana pilihan life style dan literasi keuangan memengaruhi Generasi Z di masyarakat. Selain itu, penelitian ini berupaya mengukur locus of control sebagai variabel moderating. Pengambilan sampel purposif, sebuah teknik asosiatif kuantitatif, digunakan dalam penelitian ini untuk menentukan proporsi penduduk berusia 18 hingga 25 tahun yang menggunakan layanan pinjol ilegal. Kuesioner digunakan untuk mengumpulkan data, dan pengujian hipotesis, statistik deskriptif, serta regresi linier digunakan untuk analisis. Menurut survei, penggunaan platform pinjol ilegal oleh Generasi Z sangat dipengaruhi oleh life style dan tingkat kesadaran finansial mereka. Tingkat literasi keuangan yang cenderung lebih bijaksana dalam mengukur keputusan finansial, sementara life style yang disebutkan di atas juga memengaruhi keengganan mereka untuk menggunakan pinjol ilegal. Selain itu, kemampuan individu untuk mengevaluasi diri sendiri, yang juga dikenal sebagai locus of control, merupakan variabel bermanfaat yang dapat memperkuat atau mengurangi pengaruh literasi keuangan dan pilihan life style terhadap keputusan tersebut.  
The Role of Microfinance Institutions in Community Economic Empowerment: Perspectives of Actors and Customers Putri, Siti Rahmayanti; Aldine, Thia Thania; Darus, M. Aza Raja; Aulia, Dinda; Hayati, Fitri
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 3 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i3.561

Abstract

Microfinance institutions (MFIs) play an important role in community economic empowerment, especially for micro, small, and medium enterprises (MSMEs) and low-income groups that are not covered by formal financial institutions. This study uses the literature review method to analyse the strategic role of MFIs in supporting community economic improvement from the perspective of the actors and clients. The results of the study show that MFIs not only provide financial services, but also act as initiators, facilitators, and assistants in the empowerment process. MFIs support business development through the provision of capital, financial education, and management training, which helps MSMEs improve business quality and competitiveness in the market. In addition, MFIs contribute to creating financial inclusion in remote areas and support the empowerment of women in entrepreneurship. The multiplier effect of optimising the role of MFIs includes increasing community income, reducing poverty, creating new jobs, and strengthening the national economy in a sustainable manner. Therefore, institutional strengthening, human resource capacity building, and synergy between the government and MFIs are needed to support more equitable and sustainable community economic empowerment.
Co-Authors Aldine, Thia Thania Atika Atika Aulia, Dinda Darus, M. Aza Raja Fitri Hayati Nasution, Juliana