STUDI KELAYAKAN PEMBIAYAAN MIKRO
Abstract
This study aims to analyze the feasibility of microfinance as an alternative financing solution for small-scale economic activities, particularly in the context of empowering low-income communities. Microfinance plays a vital role in providing access to capital for individuals and micro-enterprises that are typically excluded from formal banking systems. Using a qualitative-descriptive approach supported by case studies, this research evaluates the key feasibility aspects of microfinance, including financial viability, social impact, repayment capacity, and risk management. The results indicate that microfinance programs can be effective in improving economic self-reliance, fostering entrepreneurship, and reducing poverty when implemented with strong institutional governance and community engagement. However, challenges such as high operational costs, moral hazard, and limited financial literacy among borrowers must be addressed to ensure long-term sustainability. This study underscores the importance of conducting proper feasibility assessments before distributing microloans, as well as the need for ongoing monitoring and mentoring to support borrower success and institutional health.
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