연구정보
[경영] Effectiveness of Financial Technology Peer-to-Peer Lending and Online Business Training for Poor Women Microentrepreneurs : Lessons Learned from a Pilot in Indonesia
인도네시아 국외연구자료 연구보고서 - World Bank 발간일 : 2023-03-29 등록일 : 2023-04-14 원문링크
Women’s entrepreneurship is instrumental for women’s economic empowerment. More than 60 percent of 65 million micro, small, and medium enterprises in Indonesia are owned by women, and these are biased towards microenterprises (World Bank 2020). Around 50 percent of women entrepreneurs choose to run a microenterprise out of necessity; they need income and do not have any alternative employment (World Bank 2016). At the same time, women’s opportunities in formal sectors are limited, and only around 30 percent of women across all socioeconomic statuses work as formal workers (Susenas 2019). Entrepreneurship, therefore, provides women, and particularly those who cannot enter the formal sector, with a solution to their limited economic opportunities. Unfortunately, women entrepreneurs face multiple barriers, and these affect the survival or growth of their business. Lack of access to finance is the main barrier preventing women from expanding their business, irrespective of its size (Adam and Lestari 2017; Burger et al. 2015; SMERU 2022). Other barriers include lack of education, training opportunities, mobility, family support, institutional support, and skills in business management (Raghuvanshi et al. 2017). These barriers contribute to the smaller size and lower productivity of women-owned enterprises in Indonesia compared to men-owned businesses and, consequently, women’s lower income (World Bank 2016). The Government of Indonesia introduced microcredit programs to improve MSME access to finance, but many women micro-entrepreneurs continue to overlook the opportunity to borrow money from formal financial institutions. This pilot study aims to understand if fintech peer-to-peer lending and online business training can provide alternative access to finance for women micro-entrepreneurs, needed due to the limitations of the People’s Business Credit (KUR) and Ultra Micro Financing Program (Umi). Fintech lending may be appealing to women micro-entrepreneurs since they do not need to provide collateral, the lender requires less documentation from them, and they can access it as individuals. Meanwhile, online business management training may address their lack of access.
본 페이지에 등재된 자료는 운영기관(KIEP) 및 EMERiCs의 공식적인 입장을 대변하고 있지 않습니다.
