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

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

DOI
10.15294/jejak.v18i2.3852
ISSN
2460-5123, 1979-715X
Published
2026-01-23
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

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.

Keywords

Collaboration network of the authors

23 authors · 56 co-authorship links

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  • Australian National University
  • University of Singaperbangsa Karawang
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Adhitya WardhanaAffiliation unknown3
Sutyastie Soemitro RemiAffiliation unknown3
Sandi Asep RamdaniAffiliation unknown1
Kodrat WibowoAffiliation unknown1
Yudha Hadian NurAffiliation unknown1
Herlina RoselineAffiliation unknown1
Muhammad Bayu Permana RosiyanAffiliation unknown1
Ade Marsinta ArsaniAffiliation unknown1
Haposan Indra Wesly PasaribuAffiliation unknown1
Fadlan FadlanAffiliation unknown1
Militcyano Samuel SapuletteAustralian National University1
Teguh SantosoAffiliation unknown1
Bayu Rizky PratamaAffiliation unknown1
Aurelia Puteri ArfitaAffiliation unknown1
Abdul HadiUniversity of Singaperbangsa Karawang1
Putri Novita SinambelaAffiliation unknown1
Novi BriliyantiAffiliation unknown1
Vita Erika PratiwiAffiliation unknown1
Sendy Aristiana SupriatnaAffiliation unknown1
Ahmad Tito NugrohoAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jejak/oai, first harvested 6 Nov 2026, last seen 6 Nov 2026.
Original metadata (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>