Proceedings of the Twelfth International Conference on Entrepreneurship and Business Management 2023 (ICEBM 2023)

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A Study on Microcredit Effectiveness for Surakarta MSMEs Post-Pandemic

Authors
Ali Zainal Abidin1, *, Kenny Pradipta Montoya Putra Pratama1, Onis Sofina Herawati1
1Faculty of Economics and Business, Universitas Muhammadiyah Surakarta, Surakarta, Central Java Province, Indonesia
*Corresponding author. Email: aza200@ums.ac.id
Corresponding Author
Ali Zainal Abidin
Available Online 19 September 2024.
DOI
10.2991/978-94-6463-508-9_8How to use a DOI?
Keywords
Microcredit; Effectiveness; MSMEs; Surakarta; Pandemic
Abstract

This research aims to unveil the effectiveness of microcredit, a form of financial service for micro, small, and medium-sized enterprises (MSMEs) in Surakarta. The reason for conducting this research is the adverse impact of the COVID-19 pandemic on the MSME sector, putting them in dire need of capital assistance, one of which is through microcredit. Therefore, research is necessary to investigate whether microcredit has effectively developed MSMEs. This study is qualitative research with primary data sources obtained from respondents. The respondents were selected through random sampling to capture data variation in the field. Data were collected through questionnaires and structured interviews. The data analysis method was conducted using case study analysis with content analysis. Research findings indicate that microcredit has a significant effectiveness in promoting the growth of SMEs. However, the research also reveals that the distribution of microcredit is uneven, resulting in gaps in credit access for some microenterprises. The implication is that insights gained from this research can guide policymakers in enhancing the effectiveness of microcredit distribution, thereby promoting economic growth and empowerment in the Surakarta region.

Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the Twelfth International Conference on Entrepreneurship and Business Management 2023 (ICEBM 2023)
Series
Atlantis Highlights in Economics, Business and Management
Publication Date
19 September 2024
ISBN
978-94-6463-508-9
ISSN
2667-1271
DOI
10.2991/978-94-6463-508-9_8How to use a DOI?
Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Ali Zainal Abidin
AU  - Kenny Pradipta Montoya Putra Pratama
AU  - Onis Sofina Herawati
PY  - 2024
DA  - 2024/09/19
TI  - A Study on Microcredit Effectiveness for Surakarta MSMEs Post-Pandemic
BT  - Proceedings of the Twelfth International Conference on Entrepreneurship and Business Management 2023 (ICEBM 2023)
PB  - Atlantis Press
SP  - 79
EP  - 103
SN  - 2667-1271
UR  - https://doi.org/10.2991/978-94-6463-508-9_8
DO  - 10.2991/978-94-6463-508-9_8
ID  - Abidin2024
ER  -