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A Study on Microcredit Effectiveness for Surakarta MSMEs Post-Pandemic

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

Author

Listed:
  • Ali Zainal Abidin

    (Universitas Muhammadiyah Surakarta, Faculty of Economics and Business)

  • Kenny Pradipta Montoya Putra Pratama

    (Universitas Muhammadiyah Surakarta, Faculty of Economics and Business)

  • Onis Sofina Herawati

    (Universitas Muhammadiyah Surakarta, Faculty of Economics and Business)

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.

Suggested Citation

  • Ali Zainal Abidin & Kenny Pradipta Montoya Putra Pratama & Onis Sofina Herawati, 2024. "A Study on Microcredit Effectiveness for Surakarta MSMEs Post-Pandemic," Atlantis Highlights in Economics, Business and Management, in: Keni Keni & Hetty Karunia Tunjungsari & Teoh Ai Ping (ed.), Proceedings of the Twelfth International Conference on Entrepreneurship and Business Management 2023 (ICEBM 2023), pages 79-103, Springer.
    • Handle: RePEc:spr:atlecp:978-94-6463-508-9_8
    DOI: 10.2991/978-94-6463-508-9_8
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