Women's Empowerment as a Moderator Variable in the Role of Sharia Microfinance Inclusion in Strengthening the Family Economy

Abstract

This research aims to describe and analyze women's empowerment as a moderator variable that can strengthen or weaken the relationship between the roles of Sharia microfinance inclusion in strengthening the family economy. The reason is the inclusion of Sharia finance to strengthen the family economy and micro businesses for women who are still unbankable entrepreneurs. Therefore, it is necessary to know the factors determining the strengthening of the family economy by empowering women. In this research, descriptive analysis research methods are used, and data analysis is conducted through MRA (Moderated Regression Analysis) for hypothesis testing. The role of sharia microfinance inclusion with accessibility, good service and suitability of products and services needed has a positive influence on strengthening the family economy. The better the role of sharia microfinance inclusion, the better the strengthening of the family economy. Women's empowerment can moderate and strengthen the influence of the role of sharia microfinance inclusion on strengthening the family economy. Therefore, the more decisive women's empowerment moderates, the better the influence of Sharia microfinance inclusion on strengthening the family economy will be. There are several limitations in writing this article, namely Limited indicators of Sharia microfinance inclusion, strengthening the family economy and empowering women. This research is limited to the research object of the financing institution PT Permodalan Nasional Madani in Cirebon City, Cirebon Regency, Kuningan Regency, Indramayu Regency and Majalengka Regency in West Java. This research only uses descriptive analysis methods with hypothesis testing using MRA. This research is essential for strengthening the family economy in the Cirebon City, Cirebon Regency, Kuningan Regency, Indramayu Regency and Majalengka Regency areas in West Java. Greater empowerment of women leads to a more balanced correlation between the role of sharia microfinance inclusion and the enhancement of the family's economic stability.