The impact of microfinance on Indonesian rural households' welfare

Santoso, Danang Budi; Gan, Christopher; Revindo, Mohamad Dian; Massie, Natanael Waraney Gerald

doi:10.1108/afr-11-2018-0098

Cited by 24 publications

(27 citation statements)

References 21 publications

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“…Such association is elucidated to be reflective of the ways that financial inclusion is achieved within social settings, such that those with more income are more likely to receive financial assistance. However, the literature on the role of income in shaping CSR expectations and perceptions of the rural household seems to be fragmented with no convincing proofs (Santoso et al, 2020). Although some of the literature suggests that lower income groups give high priority to CSR and carry stronger CSR expectations than people from higher income groups, few studies have attempted to show where high‐income groups and low‐income groups were not found to differ in their CSR perceptions, orientations, and expectations (Corak, 2013; Piprek, 2008).…”

Section: Stakeholder Theory Of Csrmentioning

confidence: 99%

Corporate social responsibility and financial inclusion: Evaluating the moderating effect of income

2021

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Financial institutions play a vital role in the implementation of effective CSR in local communities with significant initiatives that support financial inclusion. The findings of this study reveal that CSR has a significant, positive impact on financial inclusion. The study rules out any moderating impact of income on the strength of the relationship between CSR and financial inclusion. The research findings of this study will help policymakers to design effective policies to motivate banking organizations to consider CSR as an effective tool to improve financial inclusion.

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Section: Stakeholder Theory Of Csrmentioning

confidence: 99%

Corporate social responsibility and financial inclusion: Evaluating the moderating effect of income

2021

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“…To identify the factors affecting the access to microcredit, the present study employed a binary logistic regression model. Binary logistic regression is useful when the dependent variable is dichotomous (Santoso 2016). The general parametric functional expression of this model can be given as follows:…”

Section: Access To Microcreditmentioning

confidence: 99%

Empowering Women through Microcredit in Bangladesh: An Empirical Study

Debnath

Rahman

Acharjee

et al. 2019

IJFS

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The present study was carried out to identify the determinants of microcredit accessibility by rural women households and its impact on rural women empowerment in Bangladesh. A face-to-face survey was conducted during 2018, interviewing 300 women households in two locations in Bangladesh. Descriptive statistics and econometric modeling were used to achieve the objectives. The results of the study showed that the higher annual income inversely related with the accessibility to the microcredit program, whereas family size (P <0.05) was positive and significantly influenced the accessibility to the microcredit program. The empirical results indicate that borrowers of microcredit have greater control over their own savings. The regression outcome also exposes that microcredit has a positive and significant impact on enhancing participation in household decision making process and women’s legal awareness. The study suggested that microcredit providers in Bangladesh should be encouraged to review their program planning and redesign loan products by putting more emphasis on higher income group women.

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“…Findings reliably demonstrate that entry to public lines of lending has a substantial and significant optimistic effect on employment and export growth, while authors have not seen any significant impact on productivity measurement (DeNegri et al, 2011). Santoso et al (2020) conducted research in Bantul district, Indonesia, by gathering primary information and a structured questionnaire was administered to rural families. The logistical model was used by the authors to assess the social effects of microcredit debtors.…”

Section: Review Of Literaturementioning

confidence: 99%

“…The logistical model was used by the authors to assess the social effects of microcredit debtors. The study found that monthly income, loan, mensural expenditure, credit amounts, interest rates, marital status and education have major effects on the likelihood of increasing the benefit of borrowers following access to micro-credit (Santoso et al, 2020). The evidence and theory have raised concerns, that microcredit is harmful rather than good, especially when offered at high interest rates.…”

Section: Review Of Literaturementioning

confidence: 99%

Financing Micro and Small Enterprises: Assessing the Impact of Mudra Loans in an Emerging Economy

2021

IJFB

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This paper studies the impact of mudra on small and micro enterprises in terms of income generation, business expansion, standard of living, and employment generation in the process. The research is socio-economic research. The project applied mean difference method for quantitative data analysis and relative importance index method to analyse qualitative data. Paper used Schedule to conduct personal interviews to collect data from 384 respondents using convenience sampling. It was found that to some extent, the schemes have been successful in providing loans to MSME sector. The enterprises are benefitted due to collateral free mudra loan in terms of income generation and business expansion. But there was no significant impact on employment generation and standard of living as proved from the data collected from the respondents due to mudra loan. Also, no significant improvement in human development index was found among the respondents. No significant improvements in quality of food and nutrition were found as informed by the respondents. Financial independence has not been achieved for the women entrepreneurs. Policy implications for government and bank has been discussed at the end of paper. The paper is based on the project funded by Indian Council of Social Science Research, New Delhi. This is a first kind of study conducted to study the impact of mudra loans on small and micro enterprises in India.

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The impact of microfinance on Indonesian rural households' welfare

Cited by 24 publications

References 21 publications

Corporate social responsibility and financial inclusion: Evaluating the moderating effect of income

Corporate social responsibility and financial inclusion: Evaluating the moderating effect of income

Empowering Women through Microcredit in Bangladesh: An Empirical Study

Financing Micro and Small Enterprises: Assessing the Impact of Mudra Loans in an Emerging Economy

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