Syahputra, Akbar Ghanny (2025) PENGARUH KREDIT MIKRO TERHADAP PENDAPATAN, ASET, PENGELUARAN, DAN KEMANDIRIAN EKONOMI MASYARAKAT PADA NASABAH DI KAWASAN INDUSTRI CANDI SEMARANG. Thesis thesis, Universitas BPD.
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Abstract
This study aims to analyze the effect of microcredit on income, assets, expenditure, and economic independence of the community in the Candi Industrial Area, Semarang. Furthermore, this research also examines the mediating role of income, assets, and expenditure in the relationship between microcredit and economic independence. The study employed a quantitative approach using Structural Equation Modeling – Partial Least Square (SEM-PLS) with the assistance of SmartPLS 4. The sample consisted of 85 respondents, all of whom were microcredit recipients in the industrial area. The findings reveal that microcredit has a positive and significant effect on income, productive assets, and household expenditure. Moreover, income, productive assets, and expenditure were found to significantly influence economic independence. The results also confirm the mediating roles of income, assets, and expenditure in linking microcredit to economic independence. In addition, microcredit was proven to have a direct impact on enhancing economic independence. Overall, this study demonstrates that access to microcredit plays a strategic role in strengthening economic conditions and improving the independence of micro-business actors. These findings support the theory of economic empowerment and reinforce previous studies, emphasizing that access to capital is one of the key factors in promoting independence and community welfare.
| Item Type: | Thesis (Thesis) |
|---|---|
| Additional Information: | Penelitian ini bertujuan untuk menganalisis pengaruh kredit mikro terhadap pendapatan, aset, pengeluaran, dan kemandirian ekonomi masyarakat di Kawasan Industri Candi Semarang. Selain itu, penelitian ini juga menguji peran mediasi pendapatan, aset, dan pengeluaran dalam hubungan antara kredit mikro dan kemandirian ekonomi. Penelitian dilakukan dengan metode kuantitatif menggunakan pendekatan Structural Equation Modeling Partial Least Square (SEM-PLS) dengan bantuan aplikasi SmartPLS 4. Sampel penelitian berjumlah 85 responden yang seluruhnya merupakan pelaku usaha penerima kredit mikro di kawasan industri tersebut. Hasil penelitian menunjukkan bahwa kredit mikro berpengaruh positif dan signifikan terhadap pendapatan, aset produktif, dan pengeluaran rumah tangga. Lebih lanjut, pendapatan, aset produktif, dan pengeluaran terbukti berpengaruh signifikan terhadap kemandirian ekonomi pelaku usaha. Temuan ini juga mengonfirmasi adanya peran mediasi, di mana pendapatan, aset, dan pengeluaran memediasi hubungan antara kredit mikro dan kemandirian ekonomi. Selain itu, kredit mikro juga terbukti berpengaruh langsung terhadap peningkatan kemandirian ekonomi. Secara keseluruhan, penelitian ini membuktikan bahwa akses terhadap kredit mikro memiliki peranan strategis dalam memperkuat kondisi ekonomi dan meningkatkan kemandirian masyarakat pelaku usaha. Temuan ini mendukung teori pemberdayaan ekonomi dan memperkuat hasil penelitian terdahulu bahwa akses modal merupakan salah satu faktor kunci dalam mendorong kemandirian dan kesejahteraan masyarakat. |
| Uncontrolled Keywords: | Microcredit, Income, Assets, Expenditure, Economic Independence, SEM-PLS |
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S2 |
| Date Deposited: | 18 Oct 2025 10:25 |
| Last Modified: | 18 Oct 2025 10:25 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/2907 |
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