Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia

Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia

This study attempts to explore the performance of microenterprise before and after accessing BRI’s microproducts. It also attempts to compare the performance between the microenterprises which have access to KUPEDES and KUR products. The performance of the microenterprises is...

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Main Authors: Hawariyuni, Weni, Kassim, Salina
Format: Conference or Workshop Item
Language:English
Published: 2014
Subjects:
H Social Sciences (General)
HG Finance
HM Sociology
Online Access:http://irep.iium.edu.my/42054/
http://irep.iium.edu.my/42054/1/42054.pdf
id iium-42054
recordtype eprints
spelling iium-420542015-05-08T08:24:15Z http://irep.iium.edu.my/42054/ Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia Hawariyuni, Weni Kassim, Salina H Social Sciences (General) HG Finance HM Sociology This study attempts to explore the performance of microenterprise before and after accessing BRI’s microproducts. It also attempts to compare the performance between the microenterprises which have access to KUPEDES and KUR products. The performance of the microenterprises is measured in terms of income, fixed assets, and household expenditures. In this regard, it focuses specifically on BRI Units located in Medan City, Indonesia. This study uses descriptive analysis as methodology. The main finding indicates that KUPEDES as original product of BRI Unit is more effective than KUR which is micro product subsidized by Indonesian government. This study also found that there are still some problems faced by microenterprises in accessing microloan. It is expected that policy makers of microfinance institutions (MFIs), including the BRI Unit and Indonesian government could solve the common problems faced by MSMEs, such as financing, raw materials, marketing, advanced technology, and others, as MSMEs play a crucial role in increasing economic growth in terms of reducing poverty and unemployment; and increasing GDP. In this respect, the policy makers of MFIs including the BRI Unit are also expected to provide the facilities besides credit services, such as training, health programmes, education, family planning, and other programmes to make greater effectiveness of the microfinance on the performance of microenterprises. Furthermore, the BRI and Indonesian government should also initiate efforts to ensure KUR microloans become as effective as KUPEDES microloans. 2014 Conference or Workshop Item PeerReviewed application/pdf en http://irep.iium.edu.my/42054/1/42054.pdf Hawariyuni, Weni and Kassim, Salina (2014) Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia. In: The 4th Annual International Conference Syiah Kuala University (AIC-Unsyiah) 2014 in conjunction with The 9th Annual International Workshop and Expo on Sumatra Tsunami Disaster And Recovery (AIWEST-DR), 22-24 October 2014, AAC Dayan Dawood, Darussalam – Banda Aceh, Indonesia.
repository_type Digital Repository
institution_category Local University
institution International Islamic University Malaysia
building IIUM Repository
collection Online Access
language English
topic H Social Sciences (General)
HG Finance
HM Sociology
spellingShingle H Social Sciences (General)
HG Finance
HM Sociology
Hawariyuni, Weni
Kassim, Salina
Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia
description This study attempts to explore the performance of microenterprise before and after accessing BRI’s microproducts. It also attempts to compare the performance between the microenterprises which have access to KUPEDES and KUR products. The performance of the microenterprises is measured in terms of income, fixed assets, and household expenditures. In this regard, it focuses specifically on BRI Units located in Medan City, Indonesia. This study uses descriptive analysis as methodology. The main finding indicates that KUPEDES as original product of BRI Unit is more effective than KUR which is micro product subsidized by Indonesian government. This study also found that there are still some problems faced by microenterprises in accessing microloan. It is expected that policy makers of microfinance institutions (MFIs), including the BRI Unit and Indonesian government could solve the common problems faced by MSMEs, such as financing, raw materials, marketing, advanced technology, and others, as MSMEs play a crucial role in increasing economic growth in terms of reducing poverty and unemployment; and increasing GDP. In this respect, the policy makers of MFIs including the BRI Unit are also expected to provide the facilities besides credit services, such as training, health programmes, education, family planning, and other programmes to make greater effectiveness of the microfinance on the performance of microenterprises. Furthermore, the BRI and Indonesian government should also initiate efforts to ensure KUR microloans become as effective as KUPEDES microloans.
format Conference or Workshop Item
author Hawariyuni, Weni
Kassim, Salina
author_facet Hawariyuni, Weni
Kassim, Salina
author_sort Hawariyuni, Weni
title Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia
title_short Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia
title_full Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia
title_fullStr Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia
title_full_unstemmed Do microfinance interventions improve the performance of Microenterprises in Indonesia? a case study of BRI unit clients in Medan City, Indonesia
title_sort do microfinance interventions improve the performance of microenterprises in indonesia? a case study of bri unit clients in medan city, indonesia
publishDate 2014
url http://irep.iium.edu.my/42054/
http://irep.iium.edu.my/42054/1/42054.pdf
first_indexed 2023-09-18T21:00:01Z
last_indexed 2023-09-18T21:00:01Z
_version_ 1777410561224474624

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