Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
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This Author published in this journals
All Journal Socius: Social Sciences Research Journal Journal of Religion, Local Politics, and Law
Shine Kurdiati Miare
Universitas Negeri Surabaya
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice

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The Meaning of Microloans for Families with Economic Limitations: A Qualitative Study of Bank Mekar Customers Shine Kurdiati Miare; Dewien Agustin
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 8 (2026): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19068600

Abstract

Economic inequality in rural Indonesia remains a significant challenge, especially for low-income families who have limited access to formal financial institutions. Microcredit emerges as an accessible alternative solution, particularly for women who manage household finances. This study was conducted in Simongagrok Village, Dawarblandong District, Mojokerto Regency, aiming to understand the meaning and utilization of microloans among housewives who are clients of Bank Mekar. Using a qualitative approach and Max Weber’s social action theory, the research explores the experiences, motivations, and strategies of women in obtaining and managing microloans. Findings reveal that microloans are predominantly used for daily consumption needs and debt repayment rather than productive business capital. Women play a central role as household managers, combining economic rationality with socio-cultural values. Social solidarity within borrower groups provides support as well as psychological pressure. The cycle of debt and strict repayment obligations create tension between aspirations for economic independence and the reality of financial constraints. This study emphasizes that microcredit is a complex socio-economic phenomenon that must be understood within the cultural and social structures of poor rural communities.
Incumbent Performance Dissatisfaction Influences Blank-Box Voting in the 2024 Gresik Election Shine Kurdiati Miare; Fatkah Ainurrofiah; Budi Santoso; Mochamad Arif Affandi
Journal of Religion, Local Politics, and Law Vol. 2 No. 3 (2026): Institutional and Social Transformation in Contemporary Society
Publisher : PT Pro Panoramic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64595/jrlpl.v2n3.p291-310

Abstract

The high proportion of blank votes in the 2024 regional election in Gresik Regency reflects an important phenomenon in local democratic participation, particularly in uncontested elections. Despite the increasing occurrence of blank voting in Indonesia, empirical evidence explaining how public dissatisfaction with incumbent performance influences this behavior remains limited. This study aims to examine the effect of public dissatisfaction with incumbent performance on the propensity to vote for the blank box. A quantitative research design was employed using data from 150 respondents selected through quota sampling from five sub districts Sidayu, Bungah, Manyar, Ujungpangkah, and Kebomas which recorded the highest proportion of blank votes in the election. Data were collected through structured Likert-scale questionnaires and analyzed using multinomial logistic regression. The findings indicate that the model demonstrates a good fit, with a significant Omnibus Test (p < 0.001) and Pearson and Deviance statistics exceeding 0.05. Public dissatisfaction has a statistically significant effect on the likelihood of voting for the blank box (Exp(B) = 1.687, p < 0.001). These findings extend rational choice theory by demonstrating that, in uncontested local elections, blank voting represents a rational mechanism of electoral accountability rather than merely political apathy. This study provides empirical evidence that public evaluations of incumbent performance constitute a significant determinant of blank-box voting in single-candidate local elections, thereby enriching the understanding of electoral behavior in uncontested democratic contests. The study contributes to the literature on electoral behavior by highlighting public performance evaluation as an important determinant of blank voting in local elections.
Co-Authors Budi Santoso Dewien Agustin Fatkah Ainurrofiah Mochamad Arif Affandi