Indonesia Conference Directory

<< Back

Beyond Outreach: Evaluating the Bandung Rural Bank-s Kredit Melati Programme in Bandung,West Java
Kurniawan Saefullah

Faculty of Economics and Business, Universitas Padjadjaran


Microfinance has been acknowledged as a tool in alleviating poverty. It provides various schemes of funding support which enable the poor to lift up their standard of living. In response to its importance, Local Government of Bandung imposed a supporting funding policy to the ‘economically active poor- through several credit schemes, i.e. Kredit Melati, Kredit Mesra and Kredit Bagja, with the intermediary of Bank Perkreditan Rakyat (BPR) Bandung. This paper attempts to describe an early evaluation to the effectiveness of such policy and programme . Using descriptive analysis, this paper concluded that although the programme has reached thousands of clients, however, the effectiveness of this credit policy is under questioned as it has only been evaluated from the perspective of outreach, but not yet from its sustainability. Furthermore, recent researches in microfinance suggest to identify further the clients from their precondition and categorization, i.e their over-indebtedness, which in many cases will not lift up their standard of living as well as their microenterprises.

Keywords: Microfinance, Outreach, Sustainability, Over-Indebtedness, Rural Bank

Topic: Strategic Management, Entrepreneurship and Contemporary Issues


Conference: The 4th Global Conference on Business, Management and Entrepreneurship (GCBME 2019)

Plain Format | Corresponding Author (Kurniawan Saefullah)

Featured Events

<< Swipe >>
<< Swipe >>

Embed Logo

If your conference is listed in our system, please put our logo somewhere in your website. Simply copy-paste the HTML code below to your website (ask your web admin):

<a target="_blank" href=""><img src="" title="Ifory - Indonesia Conference Directory" width="150" height="" border="0"></a>

Site Stats