MICROFINANCE INSTITUTIONS AND ECONOMIC DEVELOPMENT Evidence from Developing Countries
Lincolin Arsyad(1*)
(1) Universitas Gadjah Mada
(*) Corresponding Author
Abstract
Tulisan ini membahas sifat dan arti penting lembaga keuangan mikro (LKM) dalam pembangunan ekonomi. Bukti-bukti dari beberapa negara sedang berkembang (NSB) menunjukkan bahwa LKM telah berkembang tidak hanya sebagai lembaga keuangan per se tetapi juga sebagai alat pembangunan (development tools) di dalam mengentaskan kemiskinan. Lebih dari itu, bukti-bukti juga menunjukkan pula bahwa LKM selain berperan penting sebagai lembaga perantara keuangan (financial intermediaries) yang mampu meningkatkan proses pendalaman sistem keuangan (financial deepening) juga mempunyai dampak yang positif terhadap peningkatan pendapatan masyarakat miskin, menciptakan lapangan kerja, dan meningkatkan tabungan masyarakat.
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