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Arisan for diversifying financing sources for micro enterprises

Jurnal Perspektif Pembiayaan dan Pembangunan Daerah · Vol. 9 No. 6 (2022) · hlm. 526–537

DOI
10.22437/ppd.v9i6.17036
ISSN
2355-8520, 2338-4603
Terbit
2022-02-28
Penerbit
Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

This study examines the role and impact of arisan, a widely practiced form of informal microfinance in Indonesia, in supporting micro-enterprises in Jambi City. Arisan has demonstrated significant potential to provide both financial and social benefits to its members. Data were collected through semi-structured interviews and participant observations involving 100 micro-enterprise owners actively participating in arisan, using a qualitative descriptive approach. The findings reveal that most participants joined arisan due to limited access to formal credit and a preference for its trust-based, community-centered approach. Economically, arisan contributes to increased business capital and facilitates business expansion. Socially, it fosters enhanced solidarity and strengthens relationships among members. The study concludes that arisan serves as an effective alternative funding source for micro-enterprises in Jambi, addressing gaps left by formal financial institutions. However, challenges such as trust issues and limited funds require attention to optimize its effectiveness as a sustainable financing mechanism.

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  • Universitas Jambi
  • Bandung Institute of Technology
  • Universitas Pembangunan Jaya
  • Sunan Gunung Djati State Islamic University Bandung
  • University of Brawijaya
  • Andalas University
  • Universitas Islam Negeri Raden Fatah Palembang
  • Afiliasi tidak diketahui
  • Organisasi berbeda
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Rekan penulisOrganisasiArtikel bersama
Syahmardi YacobUniversitas Jambi9
Fitriaty FitriatyUniversitas Jambi8
Firmansyah FirmansyahUniversitas Jambi5
Syamsurijal TanUniversitas Jambi4
Ahmad Nur Budi UtamaUniversitas Jambi4
Novita SariUniversitas Jambi4
Ade OctaviaUniversitas Jambi3
Agus SolikhinUniversitas Jambi3
Firmansyah FirmansyahUniversitas Jambi3
Junaidi JunaidiUniversitas Jambi2
Asep MachpuddinUniversitas Jambi2
M. Syurya HidayatUniversitas Jambi2
Tona Aurora LubisAfiliasi tidak diketahui2
Sry RositaUniversitas Jambi2
Ida MasrianiUniversitas Jambi2
Zulfina AdrianiUniversitas Jambi2
Zulkifli ZulkifliAfiliasi tidak diketahui2
Dalizanolo HuluUniversitas Pembangunan Jaya2
Hardiani HardianiUniversitas Jambi1
Ningsi TrilianahUniversitas Jambi1
Widyanti FitriUniversitas Jambi1
Sutan Adil HendraUniversitas Jambi1
Efi HerawatiUniversitas Jambi1
Iskandar IskandarSunan Gunung Djati State Islamic University Bandung1
Asep MachpudinUniversitas Jambi1
Yayuk SriayudhaUniversitas Jambi1
Johannes SimatupangUniversitas Jambi1
Sri RahayuUniversity of Brawijaya1
Iskandar SamUniversitas Jambi1
Wirmie Eka PutraUniversitas Jambi1
Haryadi HaryadiUniversitas Jambi1
Muhammad SafriUniversitas Jambi1
Zulkifli ZulkifliAndalas University1
Dessy ElliyanaUniversitas Jambi1
Agil MuharyaUniversitas Jambi1
Mismiwati MismiwatiUniversitas Islam Negeri Raden Fatah Palembang1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JES/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">Arisan for diversifying financing sources for micro enterprises</dc:title>
	<dc:creator xml:lang="en">Lubis, Tona Aurora</dc:creator>
	<dc:creator xml:lang="en">Firmansyah, Firmansyah</dc:creator>
	<dc:creator xml:lang="en">Sumarni, Sumarni</dc:creator>
	<dc:creator xml:lang="en">Ningsih, Maryati</dc:creator>
	<dc:subject xml:lang="en">Informal finance</dc:subject>
	<dc:subject xml:lang="en">Microfinance</dc:subject>
	<dc:subject xml:lang="en">Saving group</dc:subject>
	<dc:description xml:lang="en">This study examines the role and impact of arisan, a widely practiced form of informal microfinance in Indonesia, in supporting micro-enterprises in Jambi City. Arisan has demonstrated significant potential to provide both financial and social benefits to its members. Data were collected through semi-structured interviews and participant observations involving 100 micro-enterprise owners actively participating in arisan, using a qualitative descriptive approach. The findings reveal that most participants joined arisan due to limited access to formal credit and a preference for its trust-based, community-centered approach. Economically, arisan contributes to increased business capital and facilitates business expansion. Socially, it fosters enhanced solidarity and strengthens relationships among members. The study concludes that arisan serves as an effective alternative funding source for micro-enterprises in Jambi, addressing gaps left by formal financial institutions. However, challenges such as trust issues and limited funds require attention to optimize its effectiveness as a sustainable financing mechanism.</dc:description>
	<dc:publisher xml:lang="en">Program Magister Ilmu Ekonomi  Pascasarjana Universitas Jambi</dc:publisher>
	<dc:date>2022-02-28</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://online-journal.unja.ac.id/JES/article/view/17036</dc:identifier>
	<dc:identifier>10.22437/ppd.v9i6.17036</dc:identifier>
	<dc:source xml:lang="en">Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; Vol. 9 No. 6 (2022): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; 526 - 537</dc:source>
	<dc:source>2355-8520</dc:source>
	<dc:source>2338-4603</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/JES/article/view/17036/19533</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2022 Tona Aurora Lubis, Firmansyah Firmansyah, Sumarni Sumarni, Maryati Ningsih</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>