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The Impact of Microcredit on Child Education and Child Labor in Indonesian Microenterprise Households

JEJAK · Vol. 18 No. 2 (2026) · hlm. 1–17

DOI
10.15294/jejak.v18i2.3852
ISSN
2460-5123, 1979-715X
Terbit
2026-01-23
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

Microcredit is a financial instrument designed to improve well-being and reduced poverty rate. It also provides non-economic opportunities particularly in child education. This research aims to analyze the impact of microcredit participation from both formal and informal source on education and child labor in Indonesian Micro-Enterprise Households. This study utilizes data from the Indonesia Family Life Survey 5th wave in 2014/2015 and employs Propensity Score Matching model. The result shows that formal microcredit significantly raises school participation while reducing school gap. However informal microcredit does not show similar benefits on child education. The effect of child labor both from formal and informal microcredit remain inconclusive, highlight the need for further research that account for potential confounding factors. This finding suggests policymakers to prioritize access to formal microcredit especially for micro-enterprise households.

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  • Padjadjaran University
  • Ministry of Finance
  • Badan Pusat Statistik
  • Australian National University
  • Kangwon National University
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Rekan penulisOrganisasiArtikel bersama
Adhitya WardhanaPadjadjaran University3
Sutyastie Soemitro RemiPadjadjaran University3
Sandi Asep RamdaniMinistry of Finance1
Kodrat WibowoPadjadjaran University1
Yudha Hadian NurAfiliasi tidak diketahui1
Herlina RoselineAfiliasi tidak diketahui1
Muhammad Bayu Permana RosiyanAfiliasi tidak diketahui1
Ade Marsinta ArsaniBadan Pusat Statistik1
Haposan Indra Wesly PasaribuMinistry of Finance1
Fadlan FadlanAfiliasi tidak diketahui1
Militcyano Samuel SapuletteAustralian National University1
Bayu Rizky PratamaKangwon National University1
Teguh SantosoPadjadjaran University1
Aurelia Puteri ArfitaPadjadjaran University1
Vita Erika PratiwiPadjadjaran University1
Abdul HadiPadjadjaran University1
Putri Novita SinambelaPadjadjaran University1
Novi BriliyantiPadjadjaran University1
Sendy Aristiana SupriatnaPadjadjaran University1
Ahmad Tito NugrohoPadjadjaran University1
Ferry HadiyantoPadjadjaran University1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jejak/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">The Impact of Microcredit on Child Education and Child Labor in Indonesian Microenterprise Households</dc:title>
	<dc:creator xml:lang="en">Kharisma, Bayu</dc:creator>
	<dc:creator xml:lang="en">Hasanah, Alfiah</dc:creator>
	<dc:creator xml:lang="en">Hudaepah, Siti</dc:creator>
	<dc:subject xml:lang="en">Child Education, Child Labor, Micro-enterprise, Microcredit, Propensity Score Matching </dc:subject>
	<dc:description xml:lang="en">Microcredit is a financial instrument designed to improve well-being and reduced poverty rate. It also provides non-economic opportunities particularly in child education. This research aims to analyze the impact of microcredit participation from both formal and informal source on education and child labor in Indonesian Micro-Enterprise Households. This study utilizes data from the Indonesia Family Life Survey 5th wave in 2014/2015 and employs Propensity Score Matching model. The result shows that formal microcredit significantly raises school participation while reducing school gap. However informal microcredit does not show similar benefits on child education. The effect of child labor both from formal and informal microcredit remain inconclusive, highlight the need for further research that account for potential confounding factors. This finding suggests policymakers to prioritize access to formal microcredit especially for micro-enterprise households.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2026-01-23</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jejak/article/view/3852</dc:identifier>
	<dc:identifier>10.15294/jejak.v18i2.3852</dc:identifier>
	<dc:source xml:lang="en">JEJAK; Vol. 18 No. 2 (2025): September 2025; 1-17</dc:source>
	<dc:source>2460-5123</dc:source>
	<dc:source>1979-715X</dc:source>
	<dc:source>10.15294/jejak.v18i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jejak/article/view/3852/8263</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 JEJAK</dc:rights>
</oai_dc:dc>