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All Journal Buletin Ekonomika Pembangunan Economics Development Analysis Journal
Wildan Syafitri
Faculty of Economics and Business Universitas Brawijaya
Economics, Econometrics & Finance

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Capital Access Disparities Among Migrant Workers: Evidence from Informal Sector Wildan Syafitri; Axellina Muara Setyanti; Nila Cahayati
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.
What Drives Women Participation in Vulnerable Jobs? An Empirical Analysis in Indonesia Wildan Syafitri; Axellina Muara Setyanti
Buletin Ekonomika Pembangunan Vol 7, No 1 (2026): FEBRUARY
Publisher : Jurusan Ilmu Ekonomi Fakultas Ekonomi Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/bep.v7i1.31150

Abstract

Introduction/main objective: Gender disparities in Indonesia’s labor market continue to be a pressing issue, with women more likely to be engaged in informal employment lacking job security and benefits. This study aims to examine the structural and spatial factors that contribute to women’s informal employment vulnerability. Novelty: While previous studies have highlighted gendered labor segmentation, few have investigated how digital access, household roles, and financial inclusion interact to shape informality risks among women across rural and urban regions. Contribution: This paper fills a theoretical and empirical gap by applying a gendered and spatially disaggregated analysis to informality, incorporating multidimensional indicators that reflect human capital, digital capability, care burden, and financial access. Research method: The study uses binary logistic regression on microdata from the 2022 National Labor Force Survey (Sakernas), involving 400,009 female workers, to estimate the likelihood of informal employment based on education, ICT use, household demographics, and credit access, across rural and urban settings. Findings/results: Results show that digital access and higher education reduce the probability of informality, while large household size, presence of young children, and house ownership increase it. Credit access is associated with higher informality, particularly in rural areas, indicating its role in supporting informal enterprises rather than formal employment transitions. Conclusion: Findings highlight the need for gender-responsive and regionally targeted policies that expand digital infrastructure, childcare support, and formalization-linked financial services to reduce women’s labor market vulnerability in Indonesia.
Co-Authors Axellina Muara Setyanti Axellina Muara Setyanti Nila Cahayati