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All Journal International Journal of Economics and Business (IJEB)
Sulistiyanti
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Role of Village Banks In Reducing Poverty In Sengguruh Village, Kepanjen District, Malang Regency Joesoef, Jose Rizal; Dwiyoso, Hertoto; Sulistiyanti; Putri, Adinda Dwi
International Journal of Economics and Business Management Vol. 1 No. 05 (2025): International Journal of Economics and Business Management (IJEBUM)
Publisher : one million dreams corporation

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Abstract

This study aims to describe the role of Village Banks in reducing poverty and increasing community income in Sengguruh Village, Kepanjen District, Malang Regency. Using a descriptive qualitative approach, data were collected through interviews, observations, and documentation of Village Bank customers and managers. The results indicate that Village Banks facilitate access to business financing, encourage increased income, and foster more independent financial behavior. Convenient services, low interest rates, and a family-like approach make Village Banks a more humane financing alternative compared to informal institutions. Despite facing limited capital and low financial literacy, Village Banks continue to play a strategic role in empowering the rural economy.
Co-Authors Hertoto Dwiyoso Jose Rizal Joesoef Putri, Adinda Dwi