Analysis of Gender Responsive in Microfinance Institutions for Encouraging The Public Welfare in Jember, Indonesia

Abstract

Increased economic activity micro scale, motivated by the work done housewife in Jember more massive look. This phenomenon is also followed by a growing number of microfinance institutions that provide small-scale loans for capital. The number of financial institutions that ultimately forced the housewife choosing a financial institution in its favor. The aim of this study was to determine benchmark housewife preferences and patterns of institutional microfinance institutions as an adjustment on housewife preferences. Analyzing the preferences influence the dynamics of household income in Jember. This study is a qualitative research with primary data housewives small businesses that once the service user microfinance institutions in Jember. The analytical method used was Interpretative Phenomenological Analysis through six stages of analysis: 1) Reading and re-reading; 2) Initial noting; 3) Developing Emergent themes; 4) Searching for connections across emergent themes; 5) Moving the next cases; and 6) Looking for patterns across cases. The results showed that the productive activities carried out housewife embolden them to borrow capital in financial institutions. There are several reasons behind their choice of selecting certain financial institutions including ease of administration, low interest and good service. There are three preconditions, finally forcing financial institutions institutional change for adjustment and to give freedom to housewives to gain access to credit. This study explains that there are differences in well-being before and after borrowing or raising capital to start his business. The conclusion from this study confirms that they recognize the benefits of the presence of financial institutions with varied these advantages.
Keywords: Gender Responsive, Microfinance Institutions, Public Walfare, Local Goverment.