Hubungan Pembiayaan Mikro dan Kesejahteraan Masyarakat  di Indonesia

Florentinus Nugro Hardianto

doi:10.69693/ijim.v2i4.174

Authors

Florentinus Nugro Hardianto Universitas Sanata Dharma

DOI:

https://doi.org/10.69693/ijim.v2i4.174

Keywords:

pembiayaan mikro, kesejahteraan masyarakat, uji korelasi Pearson

Abstract

Pembiayaan mikro adalah salah satu jenis layanan pembiayaan keuangan yang khusus diberikan kepada masyarakat miskin yang belum terlayani oleh jasa keuangan perbankan konvensional. Program pembiayaan mikro merupakah langkah strategis yang dilakukan dalam proses pembangunan nasional untuk mencapai tujuan akhir peningkatan kesejahteraan masyarakat. Program pembiayaan mikro di Indonesia selama periode tahun 2000-2022 telah mengalami peningkatan dari tahun ke tahun. Oleh karena itu penting kiranya mengetahui bagaimana hubungan antara perkembangan pembiayaan mikro dan perkembangan kesejahteraan masyarakat di Indonesia. Penelitian ini bertujuan untuk menguji hubungan antara variabel pembiayaan mikro dan variabel kesejahteraan masyarakat di Indonesia. Variabel pembiayaan mikro menggunakan indikator nilai pembiayaan mikro dan jumlah pengusaha yang menerima pembiayaan mikro. Variabel kesejahteraan masyarakat menggunakan indikator indeks pembangunan manusia dan pendapatan per kapita. Data penelitian ini adalah data sekunder yang diperoleh dari laporan publikasi Otoritas Jasa Keuangan (OJK) dan Badan Pusat Statistika (BPS) selama periode tahun 2000-2022. Data-data penelitian yang sudah diperoleh dianalisis dengan menggunakan uji korelasi Pearson yang sesuai dengan data rasio dalam penelitian. Hasil penelitian menunjukkan bahwa variabel pembiayaan mikro dan variabel kesejahteraan masyarakat memiliki hubungan signifikan berdasarkan nilai probabilitasnya yang kurang dari 0,05. Hasil penelitian lainnya adalah bahwa variabel pembiayaan mikro dan variabel kesejahteraan masyarakat memiliki hubungan yang sangat kuat seperti ditunjukkan dari nilai koefisien korelasi yang lebih dari 0,80.

Downloads

Download data is not yet available.

References

Abrar, A., Hasan, I., & Kabir, R. (2021). Finance-growth nexus and banking efficiency: the impact of microfinance institutions. Journal of Economics and Business. https://doi.org/10.1016/j.jeconbus.2020.105975 DOI: https://doi.org/10.1016/j.jeconbus.2020.105975

Alimukhamedova, N. (2019). The microfinance promise—can it be kept? a macro perspective. Development Policy Review, 37(6), 812–842. https://doi.org/10.1111/dpr.12412 DOI: https://doi.org/10.1111/dpr.12412

Andres, J. L. (2024). Digitization of Microfinancing Operational Procedures. International Journal of Multidisciplinary Applied Business and Education Research, 5(2), 563–574. https://doi.org/10.11594/ijmaber.05.02.17 DOI: https://doi.org/10.11594/ijmaber.05.02.17

Chikwira, C., Vengesai, E., & Mandude, P. (2022). The Impact of Microfinance Institutions on Poverty Alleviation. Journal of Risk and Financial Management, 15(9), 393. https://doi.org/10.3390/jrfm15090393 DOI: https://doi.org/10.3390/jrfm15090393

Chilimba, M. T., Dunga, H. M., & Mafini, C. (2020). The Impact of Microfinance Programme Participation on Household Food Security in Malawi. International Journal of Economics and Finance Studies, 204–222. https://doi.org/10.34109/ijefs.202012113 DOI: https://doi.org/10.34109/ijefs.202012113

Churilova, E., Salin, V., Shpakovskaia, E., & Sitnikova, O. (2019). Influence of world social and economic indicators’ interlinkage on the development of human potential. Journal of International Studies, 12(4), 79–99. https://doi.org/10.14254/2071-8330.2019/12-4/6 DOI: https://doi.org/10.14254/2071-8330.2019/12-4/6

Đorđević, V., Cvetković, M., & Momčilović, A. (2022). Human development index of the balkan national economies. International Review, 3–4, 77–83. https://doi.org/10.5937/intrev2204080d DOI: https://doi.org/10.5937/intrev2204080D

Ferdous, J. (2020). Microfinance as a panacea for poverty reduction. Encyclopedia of the UN Sustainable Development Goals, 1–12. https://doi.org/10.1007/978-3-319-69625-6_125-1 DOI: https://doi.org/10.1007/978-3-319-69625-6_125-1

Garcia-Zamor, J. C. (2003). Workplace Spirituality and Organizational Performance. In Public Administration Review (Vol. 63, Issue 3, pp. 355–363). https://doi.org/10.1111/1540-6210.00295 DOI: https://doi.org/10.1111/1540-6210.00295

Kabadayi, S. (2023). A Dignity-Vulnerability Approach Framework to Maximize Well-Being Outcomes by Transformative Service Initiatives (TSIs). Journal of Services Marketing, 37(9), 1151–1166. https://doi.org/10.1108/jsm-03-2023-0110 DOI: https://doi.org/10.1108/JSM-03-2023-0110

Kannangara, N. (2023). The effectiveness of microfinance services on poverty alleviation: comparative analysis of anuradhapura district and colombo district in sri lanka. South Asian Journal of Finance, 3(2). https://doi.org/10.4038/sajf.v3i2.60 DOI: https://doi.org/10.4038/sajf.v3i2.60

Kumar, Senthil; Aslam, Mohammad; Nawanir, Gusman; and Moshood, T. D. (2023). Impact evaluation of microfinance: a HEPM perspective. E3S Web of Conferences. https://doi.org/10.1051/e3sconf/202338909035 DOI: https://doi.org/10.1051/e3sconf/202338909035

Latif, W. U., Ullah, S., Ahmed, W., Sultan, M. U., Jafar, R. M. S., Tariq, M., & Wang, L. (2020). Microcredit and Economic Welfare: Experience of Poor Rural Households From Pakistan. Journal of International Development, 32(6), 976–997. https://doi.org/10.1002/jid.3487 DOI: https://doi.org/10.1002/jid.3487

Lestari, F. and Yolanda, Y. (2023). Determinants of tax revenues and human development index in Indonesia. International Journal of Multidisciplinary Applied Business and Education Research, 4(4), 1287–1298. https://doi.org/10.11594/ijmaber.04.04.24 DOI: https://doi.org/10.11594/ijmaber.04.04.24

Matkovic, G. (2019). The Welfare State in Western Balkan Countries: Challenges and Options. Stanovnistvo, 57(1), 27–52. https://doi.org/10.2298/stnv190624004m DOI: https://doi.org/10.2298/STNV190624004M

Ngong, C., Thaddeus, K., & Onwumere, J. (2021). Microfinancial inclusion nexus poverty alleviation: the case of nigeria. Journal of Economic and Administrative Sciences, 38(4), 581–601. https://doi.org/10.1108/jeas-08-2020-0147 DOI: https://doi.org/10.1108/JEAS-08-2020-0147

Nordin, Norfarah; A.K. Siti-Nabiha; and Kamalia, Z. (2019). Microfinancing Influence on Micro-Entrepreneurs Business Growth: Mediating Role of Psy- chological and Social Capital. Journal of Entrepreneurship, Business and Economics, 7(2), 130–161.

Obadire, A. M. (2022). Analysis of the Impact of Microfinancing on Poverty Alleviation in Nigeria. Journal of Financial Risk Management, 11, 648–657. https://doi.org/10.4236/jfrm.2022.113031 DOI: https://doi.org/10.4236/jfrm.2022.113031

Parray, Z. A., Bhat, S. A., Rather, R. A., & Ahmad, P. S. (2022). Investigating the rural and entrepreneurial development through microfinance. International Research Journal of Business Studies, 15(2), 177–190. https://doi.org/10.21632/irjbs.15.2.177-190 DOI: https://doi.org/10.21632/irjbs.15.2.177-190

Pervin, S., Ismail, M., & Noman, A. H. M. (2023). Does Microfinance Singlehandedly Empower Women? A Case Study of Bangladesh. Sage Open, 13(2), 215824402210961. https://doi.org/10.1177/21582440221096114 DOI: https://doi.org/10.1177/21582440221096114

Santoso, S. (2014). Statistik Non Parametrik (Revisi). PT Elex Media Komputindo.

Shadare, G. A. (2022). The Governance of Nigeria’s Social Protection: The Burdens of Developmental Welfarism? Societies, 12(1), 20. https://doi.org/10.3390/soc12010020 DOI: https://doi.org/10.3390/soc12010020

Shahid, M., Sulub, Y. A., Mohtesham, M. M. J., & Abdullah, M. (2023). Analyzing the Commonalities Between Islamic Social Finance and Sustainable Development Goals. International Journal of Ethics and Systems, 40(2), 381–394. https://doi.org/10.1108/ijoes-04-2022-0082 DOI: https://doi.org/10.1108/IJOES-04-2022-0082

Sobana, H. and Husaeni, U. (2021). Economic empowerment of poor women with grameen bank patterns on baitul mal wa tamwil ibadurrahman. International Journal of Islamic Economics and Finance Studies. https://doi.org/10.25272/ijisef.450600 DOI: https://doi.org/10.25272/ijisef.450600

Stylianou, T., Amjad, M. I., & Awan, M. S. (2020). Poverty Alleviation and Microfinance for the Economy of Pakistan: A Case Study of Khushhali Bank in Sargodha. Economies, 8(3). https://doi.org/10.3390/economies8030063 DOI: https://doi.org/10.3390/economies8030063

Suharjo, B. (2008). Analisis Regresi Terapan Dengan SPSS. Graha Ilmu.

Tan, X., Yu, H., An, Y., Wang, Z., Jiang, L., & Ren, H. (2021). Spatial differentiation and influencing factors of poverty alleviation performance under the background of sustainable development: a case study of contiguous destitute areas in Hunan province, china. Chinese Geographical Science, 31(6), 1029–1044. https://doi.org/10.1007/s11769-021-1242-4 DOI: https://doi.org/10.1007/s11769-021-1242-4

Titilola Falaiye, Odeyemi Olubusola, Adeola Olusola Ajayi-Nifise, Ebere Rosita Daraojimba, & N. Z. M. (2024). A review of microfinancing’s role in entrepreneurial growth in african nations. International Journal of Science and Research Archive, 11(1), 1376–1387. https://doi.org/10.30574/ijsra.2024.11.1.0229 DOI: https://doi.org/10.30574/ijsra.2024.11.1.0229

Vu, H. T., & Goto, D. (2020). Does Microfinance Improve the Household Welfare of Ethnic Minorities? Evidence From Bac Kan Province, Vietnam. Progress in Development Studies, 20(1), 65–83. https://doi.org/10.1177/1464993419886230 DOI: https://doi.org/10.1177/1464993419886230

Wahyono, T. (2009). 25 Model Analisis Statistik dengan SPSS 17. PT Elex Media Komputindo.

Wulandari, F. (2024). Impact of the human development index, economic growth, investment, and government expenditure on the poverty of districts and cities in Bengkulu province. Review Jurnal Ilmiah Ekonomi Dan Bisnis, 12(1). https://doi.org/10.37676/ekombis.v12i1.4913 DOI: https://doi.org/10.37676/ekombis.v12i1.4913