Jurnal of Islamic Economic Studies
Vol. 1 No. 3 (2025): September 2025

Women’s Empowerment Through Collateral-Free Credit (Case Study of the An-Nisa Pati Cooperative)

Zunaida, Daris (Unknown)
Endang Suswati (Unknown)
Sugeng Mulyono (Unknown)
Jamal Abdul Nasir (Unknown)



Article Info

Publish Date
05 Oct 2025

Abstract

Women's empowerment is a top priority in Indonesia's economic development, aligned with the Sustainable Development Goals (SDGs), particularly SDG 5 on gender equality and SDG 8 on economic growth and decent work. However, women still face significant barriers in accessing formal financing. This study aims to analyze the role of the An-Nisa Pati Cooperative as a local institutional innovation in providing access to collateral-free microcredit and its impact on women's economic empowerment. The research method used a descriptive qualitative approach with in-depth interviews, participant observation, and document analysis. The results show that the An-Nisa Cooperative not only opens access to financing for women in microenterprises, agriculture, and informal businesses, but also increases women's self-confidence, social solidarity, and economic participation. The implications of this study emphasize the importance of strengthening community-based institutions as an effective strategy to address structural inequalities and promote gender mainstreaming in local economic development.

Copyrights © 2025






Journal Info

Abbrev

hamfara

Publisher

Subject

Religion Economics, Econometrics & Finance

Description

This journal contains writings of research results or theoretical studies related to economics, finance and Islamic banking. This journal focuses on the publication of research results in the field of Islamic Economic and ...