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EMPOWERING WOMEN:
A FIELD EXPERIMENT ON FINANCIAL AND
EDUCATION SUPPORT FOR URBAN HOUSEWIVES
Laila Refiana Said & Fifi Swandari
Fakultas Ekonomi dan Bisnis, Universitas Lambung Mangkurat
Indonesia

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 Background of Study

 Poverty conditions can be a driver for women to run a business.

 In Indonesia, Micro and Small Business Enterprises (MSE)

INTRODUCT managed by women are around 42.84% of the total MSEs

(Tambunan, 2019).

ION  Lack of capital is a major barrier since it makes women afraid to

take risks (Raguntashi, 2017).

 This study therefore examines the possibility of poor housewives

becoming entrepreneurs in case they are given capital and
education facilities.

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Entrepreneurship
and Economic
Empowerment of
Women

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 Much attention has recently been directed to poverty

alleviations in rural areas. In contrast, the government has
neglected the issue of poverty in urban areas.

Literature Review  Studies show that support through microcredit is beneficial for
increasing women's income (Ferdousi & Mahmud, 2019).

 It is vital to study the state of women in poverty lines in urban

areas

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 A. Research Design
  An explorative qualitative research design.
 Data were analyzed by the descriptive-analytical method.
 A lab-in-the-field-experiment from September 2018 to December
2019

 B. Data Collection Procedure and Tools

METHODOL  Observation, questionnaires, in-depth interviews, FGDs

OGY  At urban wetlands area of the Sungai Andai, South Kalimantan.

 C. Data Analysis
 Qualitative data were analyzed using an explanatory approach
 Quantitative data were analyzed using tables and percentage
answers from research informants.

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Source: Klikkalsel.com

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 Stage 1: Education about Sharia Micro Finance (SMF) and

the Establishment of SMF

 A group of 49 housewives was given basic education on

sharia/Islamic economic principles, particularly on savings and
loans, as well as the establishment of the SMF.

RESULTS AND  The Community Service Fund of IDR 3 million in 2018 was used to
DISCUSSION establish an SMF.

 The first stage of this experiment was meant to analyze the ability of
housewives running SMF.

 The operation of the SMF was limited since the capital held was
quite small.

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 Stage 2: Education about Murabahah and adding

Murabahah service on SMF

 An initial survey of 15 women showed that they were all not

aware of Murabahah sharia financial services.

 Murabahah scheme (a sharia fund lending business on a margin-

RESULTS AND based purchase agreement).
DISCUSSION
 The initial capital of IDR 2 million was given in the form of
cooking utensils submitted to the SMF management.

 Based on the FGDs, a margin of 10% of the cost of goods was

agreed upon.

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     Marriage Wife Job Husband Job Wife Monthly Husband 9
Informant Age Status (other than Income Monthly
housewife) (IDR) Income (IDR)
   
1 40 Married Online shop* Martabak seller Variable 4 million
2 56 Widow Income from - 2 million -
late husband’s
pension
3 31 Married Civil servant Civil servant 4 million 4 million
4 65 Widow Financially - Variable -
supported by
children
5 41 Married Yellow rice Unemployment Variable Variable
seller*
6 46 Married - Merchant -   6 million
7 53 Married Freelance Pensioner Variable 2 million
Teacher
8 38 Married Groceries Online taxi driver 1.5 million 2 million
store*

RESULTS AND 9
10
50
56
Married
Married
Masseuse
Groceries
Masseur
Civil servant
1.5 million
Variable
3.5 million
5 million

DISCUSSION 11 35 Married
store*
Fried food Handyman Variable 3 million
seller*
12 46 Married - Taxi driver - 3 million
13 37 Married - Driver - 3 million
14 43 Married Freelance Laborer 400 thousand 1.5 million
housemaid
15 19 Married - Merchant - 4 million

Data of Sharia Micro Finance (SMF) Recipients

*
starting a business from this program

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 The main reasons the loans were used for consumption

rather than for business purposes were categorized
into 3:

1. insufficient money to meet daily needs,

RESULTS AND
DISCUSSION
2. inability and ignorance to start pioneering micro
businesses,

3. the need for more entrepreneurial guidance,

including guidance on marketing products.

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 Casson (1982) described the character of entrepreneurs as their

ability to make decisions under limited resources.

 Most women entrepreneurs are just traders who only help their
husbands or cover their daily needs.
Women’s
Entrepreneurshi  They are not able to expand their business.
p
 Providing support through SMF and education is not enough to
make all housewives entrepreneurs.

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 The provision of loan facilities through SMF and Islamic

economic education has not shown significant results on
improving the entrepreneurial abilities of housewives.

 This experimental study is still in the premature stage in terms

CONCLUS of
1. observation time and the amount of finances in the social

ION funding
2. Islamic economic education for housewives lasts for a short time

 Future research should also measure psychological factors,

including interest, intelligence, and conflicting roles.

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5th MASOS International Conference on Management Studies and Social Science

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