Penguatan Inklusi Keuangan pada Industri Kreatif Berskala Mikro Kecil di Sumatra Barat

Authors

Widya Fitriana, Sosial Ekonomi Pertanian (Agribisnis) Universitas Andalas dan Fakultas Ekonomi Manajemen, Institut Pertanian BogorFollow
Ernan Rustiadi, Pusat Pengkajian Perencanaan dan Pengembangan Wilayah (P4W), Institut Pertanian BogorFollow
Akhmad Fauzi, Fakultas Ekonomi dan Manajemen, Institut Pertanian BogorFollow
Lukytawati Anggraeni, Fakultas Ekonomi dan Manajemen, Institut Pertanian BogorFollow

Abstract

Creative industry is a strategic sector of national development. Lack of capital is a major obstacle to its development. This study analyzes financial inclusion of micro small creative industries (MSCI) relating to access and loan use. Both logit and Tobit models were employed for 1,367 MSCI from micro small survey data 2014. This study proved that women entrepreneurs who are less educated, limited asset and located in rural area tend to have greater constraints in financial inclusion. This study recommend the importance of financial education for women entrepreneurs in rural areas and expansion of internet uses and conduct digital finance.

Bahasa Abstract

Industri kreatif merupakan sektor strategis pembangunan nasional. Keterbatasan akses keuangan menjadi kendala utama pengembangannya. Penelitian ini menganalisis inklusi keuangan terkait akses dan penggunaan kredit bank pada micro small creative industry (MSCI) di Sumatra Barat. Model logit dan Tobit digunakan untuk menganalisis 1.367 MSCI dari data survei industri mikro kecil 2014. Hasil penelitian membuktikan bahwa MSCI yang dikelola pengusaha wanita yang kurang berpendidikan, berskala kecil, aset terbatas dan berada di perdesaan cenderung memiliki informasi pembiayaan yang terbatas serta kendala besar dalam inklusi keuangan. Penelitian ini merekomendasikan pentingnya edukasi keuangan bagi pengusaha wanita di perdesaan serta perluasan pemanfaatan internet dan keuangan digital.

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Recommended Citation

Fitriana, Widya; Rustiadi, Ernan; Fauzi, Akhmad; and Anggraeni, Lukytawati (2018) "Penguatan Inklusi Keuangan pada Industri Kreatif Berskala Mikro Kecil di Sumatra Barat," Jurnal Ekonomi dan Pembangunan Indonesia: Vol. 18: No. 3, Article 9.
DOI: 10.21002/jepi.2018.20
Available at: https://scholarhub.ui.ac.id/jepi/vol18/iss3/9