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Abstract

This study aims to examine how credit lending can improve MSEs performance, its impact on women micro and small entrepreneurs (PPMK) household welfare, and the determinants of their disinterest in subsidised loans. Using a sample of 82 PPMK households in Depok City and Bogor Regency with the Propensity Score Matching (PSM) method, the results showed loans could boost business income. Still, the government’s credit with low-interest rates is not the primary choice due to limited knowledge, an obligation for collateral, and religious issues such as usury. This study also shows government credit assistance can improve the welfare of MSE households.

Bahasa Abstract

Studi ini bertujuan untuk mengetahui bagaimana pinjaman kredit dapat meningkatkan kinerja Usaha Mikro dan Kecil (UMK), dampaknya pada kesejahteraan rumah tangga perempuan pengusaha mikro dan kecil (PPMK), serta determinan tidak diminatinya pinjaman bersubsidi oleh pengusaha tersebut. Dengan menggunakan sampel dari 82 rumah tangga PPMK di Kota Depok dan Kabupaten Bogor serta metode Propensity Score Matching (PSM), hasil penelitian menunjukkan bahwa pinjaman dapat mendorong pendapatan usaha, tetapi kredit yang disiapkan oleh pemerintah dengan tingkat bunga rendah tidak menjadi pilihan utama karena pengetahuan yang terbatas, kewajiban adanya agunan, dan isu religius seperti riba. Hasil studi ini juga menunjukkan bagaimana kesejahteraan rumah tangga UMK dapat ditingkatkan melalui bantuan kredit pemerintah.

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