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All Journal Economics Development Analysis Journal Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Axellina Muara Setyanti
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.
Mapping Informality: A Spatial Error Model of Socio-Economic Influences on Informal Employment in Indonesia Nafidza Shadrina Diva Aulia; Cahyaning Adi Mukti; Yulianita Putri Pangaribuan; Khusnul Ashar; Axellina Muara Setyanti
Jurnal Ekonomi, Bisnis & Entrepreneurship Vol. 20 No. 1 (2026): Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Publisher : Pusat Penelitian dan Pengabdian Pada Masyarakat (P3M) STIE Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55208/jebe.v20.i1.03

Abstract

The informal employment sector remains a dominant part of the labor market in Indonesia, which is influenced by various socioeconomic factors. This study aims to analyze the spatial influence of poverty, education level, and internet access on the distribution of informal employments in 34 provinces in Indonesia using the Spatial Error Model (SEM). The results show significant spatial autocorrelation, especially for poverty and informal workers, which confirms the existence of inter-regional spillover effects. The SEM estimation shows that poverty has a positive and significant effect on the level of informal employment, while higher education levels and internet access significantly reduce the level of informal employment. These findings emphasize the importance of spatially-aware policy interventions in addressing the issue of informal employments. Strengthening education, digital infrastructure, and targeted poverty alleviation programs are important strategies.
Co-Authors Cahyaning Adi Mukti Khusnul Ashar Nafidza Shadrina Diva Aulia Nila Cahayati Wildan Syafitri Yulianita Putri Pangaribuan