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Examining the role of microfinance: a creating shared value perspective
KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
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2022 (English)In: International Journal of Ethics and Systems, ISSN 2514-9369Article in journal (Refereed) Published
Abstract [en]

Purpose: The purpose of this study is to simultaneously examine the role of microfinance from the business and social lenses by using the creating shared value (CSV) framework by Porter and Kramer (2011) in the context of Indonesia. Design/methodology/approach: A survey among more than 170,000 borrowers of two specific credit schemes by PT Bank Rakyat Indonesia Tbk., the largest microfinance provider in Indonesia, was conducted to understand the perceptions of borrowers on the benefits of microcredit under the CSV framework. Findings: The result confirms that, overall, the debtors acknowledged the importance of the loans in various aspects of CSV. The highest levels of importance were recorded in the case of stimulating the increase of business revenue growth, business productivity and fulfilling the needs of consumers. Disaggregating the results based on respondents’ demographic characteristics, it is shown that the findings in both credit schemes have a relatively similar pattern in terms of origin, business sectors and the borrowing purpose from. Originality/value: There have been limited studies that examine the impact of microfinance from both the business and social perspectives. Most studies only use one of these. Implementing the CSV framework allows the authors to fill in the gap and understand how microfinance provides business and social benefits.

Place, publisher, year, edition, pages
Emerald , 2022.
Keywords [en]
Creating shared value (CSV), Credit, Indonesia, Micro, Microfinance, small and medium enterprises (MSMEs)
National Category
Business Administration
Identifiers
URN: urn:nbn:se:kth:diva-325287DOI: 10.1108/IJOES-09-2021-0168ISI: 000820967400001Scopus ID: 2-s2.0-85133445431OAI: oai:DiVA.org:kth-325287DiVA, id: diva2:1748561
Note

QC 20230403

Available from: 2023-04-03 Created: 2023-04-03 Last updated: 2023-04-03Bibliographically approved

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Faradynawati, Ida Ayu Agung

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CiteExportLink to record
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Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf