Mengkaji Dampak Keuangan Mikro terhadap Pemberdayaan Ekonomi: Studi tentang Mikroentrepreneur di Negara-negara Berkembang dalam Pendekatan Bibliometrik
DOI:
https://doi.org/10.58812/jekws.v1i03.507Kata Kunci:
Keuangan Mikro, Pemberdayaan Ekonomi, Pengusaha Mikro, Negara Berkembang, Analisis BibliometrikAbstrak
Keuangan mikro telah muncul sebagai alat yang potensial untuk pemberdayaan ekonomi di kalangan pengusaha mikro di negara-negara berkembang. Makalah penelitian ini menggunakan pendekatan bibliometrik untuk menilai dampak keuangan mikro terhadap pemberdayaan ekonomi. Sebuah tinjauan sistematis terhadap literatur dilakukan, menganalisis tren, tema, dan pola kolaborasi di lapangan. Temuan-temuan yang ada mengkonfirmasi dampak positif keuangan mikro terhadap peningkatan pendapatan, pengurangan kemiskinan, dan pemberdayaan perempuan. Faktor-faktor kontekstual, seperti kondisi sosial-ekonomi dan norma-norma budaya, mempengaruhi hasil intervensi keuangan mikro. Studi ini mengidentifikasi kesenjangan pengetahuan dan menyoroti perlunya lebih banyak penelitian tentang dampak jangka panjang, mekanisme pemberdayaan, dan skalabilitas program. Implikasi kebijakan menekankan pada desain program yang disesuaikan, dukungan berkelanjutan di luar bantuan keuangan, dan mengatasi tantangan utang yang berlebihan. Temuan-temuan ini berkontribusi pada literatur yang ada, memandu penelitian di masa depan, dan menginformasikan keputusan kebijakan berbasis bukti untuk intervensi keuangan mikro yang efektif.
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