Gender disaggregated effects of microcredit on capital accumulation in rural households

Isoto, Rosemary Emegu; Kraybill, David S.

doi:10.1108/afr-05-2017-0034

Cited by 4 publications

(4 citation statements)

References 21 publications

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“…Beberapa penelitian terkait pengaruh kredit mengungkapkan adanya masalah endogenitas dalam kredit mikro. Beberapa peneliti menggunakan estimasi variabel instrumental untuk mengatasi masalah tersebut, seperti dilakukan oleh Isoto & Kraybill (2019), Khandker (2005), Lensink et al (2012), dan Thai (2018). Mengacu pada Thai (2018), penelitian ini menggunakan credit network sebagai variabel instrumental.…”

Section: Hasil Estimasi Dengan Instrumental Variabelunclassified

“…Hasil ini mendukung temuan Lensink et al (2012) bahwa pengaruh kredit lebih kuat pada laki-laki daripada perempuan. Isoto & Kraybill (2019) juga menemukan bahwa kredit mikro tidak berpengaruh terhadap kepala rumah tangga perempuan, tetapi berpengaruh signifikan terhadap kepala rumah tangga laki-laki dalam hal aset produktif dan sumber daya manusia. Menurut Isoto & Kraybill (2019), jumlah pinjaman yang lebih kecil dan metode pinjaman kelompok yang berfokus pada perempuan menjadi salah satu faktor yang menyebabkan manfaat kredit mikro bagi kelompok debitur perempuan terasa lebih kecil dibandingkan kelompok debitur laki-laki.…”

Section: Analisis Heterogenitasunclassified

“…Isoto & Kraybill (2019) juga menemukan bahwa kredit mikro tidak berpengaruh terhadap kepala rumah tangga perempuan, tetapi berpengaruh signifikan terhadap kepala rumah tangga laki-laki dalam hal aset produktif dan sumber daya manusia. Menurut Isoto & Kraybill (2019), jumlah pinjaman yang lebih kecil dan metode pinjaman kelompok yang berfokus pada perempuan menjadi salah satu faktor yang menyebabkan manfaat kredit mikro bagi kelompok debitur perempuan terasa lebih kecil dibandingkan kelompok debitur laki-laki. Demikian pula dalam penelitian ini, rata-rata jumlah pinjaman UMi yang diambil oleh responden perempuan lebih kecil dibandingkan dengan responden laki-laki.…”

Section: Analisis Heterogenitasunclassified

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Pengaruh Pembiayaan Ultra Mikro terhadap Kinerja Usaha dan Kesejahteraan Debitur

2023

Journal ITRev

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This paper analyzes the effect of the Ultra Micro (UMi) lending program on business performance and debtor welfare. UMi lending program aims to provide easy and fast financing facilities for the lowest-tier micro-enterprises and increase the number of entrepreneurs facilitated by the government. Business performance is measured by sales, profit, and business assets. While welfare is measured using weekly consumption per capita. This study uses data from the debtor's economic survey conducted by the Directorate General of Treasury, Ministry of Finance. The Ordinary Least Square (OLS) estimation results show that UMi lending program has a positive effect on business performance but does not affect household consumption. The estimation was carried out using the instrumental variables (IV). The result of IV estimation shows that the UMi lending program is positively associated with sales and profits during initial period of financing (baseline survey). However, the IV estimation result shows that there is no relationship between UMi and business assets and consumption. In addition, the influence of UMi was also analyzed based on the gender and location of the respondents. Based on the OLS estimation results, the influence of UMi financing on sales and profit for male respondents is stronger than for female respondents. Meanwhile, the positive and significant influence of UMi financing on consumption only occurred in female respondents in the endline survey. Based on the location, the effect of UMi financing on sales lasted longer for respondents outside Java (baseline and endline surveys). In terms of business assets, the influence of UMi financing is stronger on business assets of respondents outside Java, whereas for consumption, UMi financing only has a positive effect on the respondents's consumption in Java in the endline survey.

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Section: Hasil Estimasi Dengan Instrumental Variabelunclassified

Section: Analisis Heterogenitasunclassified

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Pengaruh Pembiayaan Ultra Mikro terhadap Kinerja Usaha dan Kesejahteraan Debitur

2023

Journal ITRev

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“…As a result, people all over the world are working together to find solutions to the problem of poverty. Furthermore, "poverty exists in a society when one or more people do not attain a level of material well-being deemed by the society's standards to constitute a reasonable minimum (Isoto & Kraybill, 2019;Mia et al, 2019).…”

Section: Microfinance In Pakistanmentioning

confidence: 99%

Microfinance's Crucial Role in Helping Victims of a Natural Calamity

Tehreem

Munawar

Ali

et al. 2022

Pak. J. Humanit. Soc. Sci

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This study aimed to examine microfinance's role in providing essential services to economically disadvantaged people in the aftermath of natural disasters. A study of 300 people who use microfinance was carried out in the tehsil of Taunsa, located in the district of Dera Ghazi Khan. In 2022, information was gathered from microfinance institution customers impacted by flooding. The purpose of this study was to determine whether or not microfinance helped them meet their basic needs during the natural disaster. The data was analyzed using the 21st edition of the Statistical Package for the Social Sciences (SPSS). The most important findings from this study were that most microfinance users were men; however, slightly more than one-third of microfinance users were females. This is an important finding because, in a natural disaster, financial assistance is provided to female-headed families so their basic needs can be met. The vast majority of those polled owned their homes, most of which were flooded. The findings of this study suggested that neither the government nor microfinance institutions provide significant assistance to disaster victims in their efforts to recover. According to preliminary findings from this study, low-income families facing difficult circumstances during or after a disaster are more likely to rely on themselves and the coping mechanisms provided by their communities than on any public or private assistance. According to the findings, policy interventions aimed at reducing flood losses and assisting improvement should consider the shifting risk profile that impoverished people face when it comes to natural disasters.

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Effects of microcredit programs on household financial portfolios: Evidence from rural Vietnam

Nguyen,

Trinh,

Nguyen

2024

Heliyon

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Gender disaggregated effects of microcredit on capital accumulation in rural households

Cited by 4 publications

References 21 publications

Pengaruh Pembiayaan Ultra Mikro terhadap Kinerja Usaha dan Kesejahteraan Debitur

Pengaruh Pembiayaan Ultra Mikro terhadap Kinerja Usaha dan Kesejahteraan Debitur

Microfinance's Crucial Role in Helping Victims of a Natural Calamity

Effects of microcredit programs on household financial portfolios: Evidence from rural Vietnam

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