The efficiency of education and microcredit programs on young adults' independence

Q1 Business, Management and Accounting

Journal of Small Business and Entrepreneurship Pub Date : 2022-02-21 DOI:10.1080/08276331.2022.2035170

R. Rokhim, A. Lubis, Nadia Novianti

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引用次数: 1

Abstract

Abstract This paper intends to evaluate the efficiency of programs aimed at providing youth education and microfinance services, as well as the direct and indirect impacts of such programs on the independence of the beneficiaries. The sample consists of 141 young adults in Indonesia; all of whom were beneficiaries of an NGO which focuses on youth development through education and microfinance initiatives. The free disposal hull (FDH) order-m technique employed in this study examines which initiative (education to youths or microfinance services for mothers) leads to the highest benefit (output) for the beneficiaries, given a certain level of cost (input). In operationalising the FDH, a composite index of independence that combines work status, work knowledge, self-determination, income, expenditure, and savings to measure the independence of the young adults was used as the output, and costs associated with implementing the programs serve as the input. The results indicate that in terms of output only, young adults whose mothers receive microfinance and no financial literacy training had the highest level of independence. On the other hand, when the costs associated with providing the programs are considered, the use of FDH order-m suggests no significant difference in the efficiency of the different programs.

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教育和小额信贷项目对年轻人独立性的影响

摘要本文旨在评估旨在提供青年教育和小额信贷服务的项目的效率，以及这些项目对受益人独立性的直接和间接影响。样本包括141名印度尼西亚的年轻人;所有这些人都是一个非政府组织的受益者，该组织通过教育和小额信贷倡议重点关注青年发展。本研究采用的免费处置船体(FDH)订单-m技术检查了在一定的成本(投入)水平下，哪种举措(对青年的教育或对母亲的小额信贷服务)为受益人带来最高的收益(产出)。在实施外佣计划时，一项综合了工作状况、工作知识、自我决定、收入、支出和储蓄的独立综合指数被用作产出，而与实施计划相关的成本则被用作投入。结果表明，仅就产出而言，母亲接受小额信贷但未接受金融知识培训的年轻人的独立性水平最高。另一方面，当考虑与提供计划相关的成本时，使用FDH order-m表明不同计划的效率没有显着差异。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Small Business and Entrepreneurship Business, Management and Accounting-Business and International Management

CiteScore

11.90

自引率

0.00%

发文量

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