KEPEMILIKAN RUMAH, JARINGAN SOSIAL DAN AKSES KE KREDIT USAHA: STUDI KASUS DI INDONESIA (Homeownership, Social Network and Access to Business Credit: A Case Study in Indonesia)

Agus Setiawan Adi Nugroho, DAISAKU GOTO

Abstract


Abstract

From the prior studies it can be concluded that relationship between homeownership and social network is inevitable. Moreover, there are some empirical evidences promote the significant effect of family network on the credit access. Therefore, it is highly likely that homeownership has impact on the opportunity of household to obtain business credit through the social network. Using mediation analysis this paper would like to investigate the relationship between homeownership, social network and the opportunity of household to obtain business credit in Indonesia. This research focus on household that their main income came from business activitiy (entrepreneur) and they live in the urban area. The main finding of this study is homeownership has positive and significant correlation on the household’s social network furthermore households with higher social network more likely to get better opportunity to obtain finance loan. In addition, mediation analysis shows that approximately, 37 persen the correlation between homeownership and the probability to get business credit is mediated by the level of social network. Finally from the empirical finding it can be proven that homeownership provides ripple effect for the improving of the household’s quality of life from the both side economic and social.

Keywords: homeownership, social network, mediation analysis

 

Abstrak

Berdasarkan penelitian-penelitian terdahulu dapat disimpulkan bahwa terdapat hubungan yang kuat antara kepemilikan rumah dan tingkat jaringan sosial sebuah keluarga. Selain itu juga terdapat beberapa bukti empiris yang menunjukkan bahwa jaringan sosial memiliki efek yang signifikan terhadap kesempatan keluarga untuk memperoleh pinjaman usaha. Oleh karena itu sangat memungkinkan adanya korelasi secara tidak langsung antara kepemilikan rumah dan kesempatan sebuah keluarga untuk mendapatkan kredit usaha di mana hubungan tersebut dimediasi oleh tingkat jaringan sosial yang dimiliki oleh keluarga tersebut. Dengan menggunakan metode mediation analysis kami akan menginvestigasi hubungan antara kepemilikan rumah, jaringan sosial dan kesempatan keluarga untuk memperoleh bantuan keuangan untuk usaha. Penelitian ini fokus pada keluarga yang penghasilan utamanya berasal dari kegiatan usaha (entrepreneur) dan tinggal di wilayah perkotaan. Temuan utama dari penelitian ini adalah terdapat korelasi yang positif dan signifikan antara kepemilikan rumah dan tingkat jaringan sosial sebuah keluarga. Sedangkan keluarga yang mempunyai tingkat jaringan sosial yang lebih tinggi akan lebih berpeluang untuk memperoleh kredit usaha. Hasil dari mediation analysis menunjukkan lebih kurang 37 persen korelasi antara kepemilikan rumah dan peluang keluarga untuk menerima pinjaman usaha dimediasi oleh tingkat jaringan sosial. Akhirnya dari bukti empiris yang ada dapat dibuktikan bahwa hunian mampu memberikan efek berantai bagi peningkatan kualitas hidup sebuah keluarga baik dilihat dari segi ekonomi maupun sosial.

Kata kunci: kepemilikan rumah, jaringan sosial, mediation analysis

References


Buku

Ariyanto. (2005). Pengembangan analisis multivariate dengan SPSS 12. Jakarta: Salemba Infotek.

Fischer, C.S. (1982). To dwell among friends: Personal networks among town and city. University of Chicago: Chicago Press.

Hasbullah. (2006). Social capital: Menuju keunggulan budaya manusia Indonesia. Jakarta: MR-United Press.

Jurnal

Biggs, T., Raturi, M., & Srivastava, P. (2002). Ethnic networks and access to credit: evidence from the manufacturing sector in Kenya. Journal of Economic Behavior & Organization, 49, 473-486.

Cox, K.R. (1982). Housing tenure and neighborhood activism. Urban Affairs Quarterly, 8, 107-129.

Dietz, R.D., & Haurin, D.R. (2003). The social and private micro-level consequences of homeownership. Journal of Urban Economics, 54, 401-450.

Dipasquale, D., & Glaeser, E.L. (1999). Incentives and social capital: Are homeowners better citizen?. Journal of Urban Economics, 45, 354-384.

Engelhardt, G.V., Eriksen, M.D., Gale, W.B., & Mills, G.B. (2010). What are the social benefits of homeownership? Experimental evidence for low-income households. Journal of Urban Economics, 67, 249-258.

Glaeser, E.L., Laibson, D., & Sacerdote, B. (2002). An economic approach to social capital. The Economic Journal, 112, F437-F458.

Green, R.K., & White, M.J. (1997). Measuring the benefits of homeowning: Effects on children. Journal of Urban Economics, 41, 441-461.

Hicks, R., & Tingley, D. (2011). Causal Mediation Analysis. The Stata Journal, 11, 605-619.

Imai, K., Keele, L., & Tingley, D. (2010). A general approach to Causal Mediation Analysis. Psychological Methods, 15, 309-334.

Lawal, J.O., Omonona, B.T., Ajani, O.I.Y., & Oni, O.A. (2009). Effects of social capital on credit access among cocoa farming households in Osun state, Nigeria. Agricultural Journal, 4, 184-191.

Manturuk, K., Lindblad, M., & Quecia, R. (2010). Friends & neighbors: Homeownership & social capital among low to moderate income families. Journal of Urban Affairs, 32, 471-488.

Okten, C., & Osili, U.O. (2004). Social networks and credit access in Indonesia. World Development, 32, 1225–1246.

Perkins, D.D., Brown, B.B., & Taylor, R.B. (1996). The ecology of empowerment: Predicting participating in community organizations. Journal of Social Issues, 52, 85-110.

Putnam, R.D. (1993). The prosperous community: Social capital and public life. The American Prospect, 4, 13.

Rohe, W. M., & Stegman, M. A. (1994). The impact of home ownership on the social and political involvement of low income people. Urban Affairs Review, 30, 152-172.

Rossi. P. H., & Weber. E. (1996). The social benefits of homeownership: Empirical evidence from national surveys. Housing policy debate, 7, 1-35.

Woolcock, M., & Narayan. D. (2000). Social capital: Implications for development theory, research, and policy. The World Bank Research Observer, 15, 225-249.

Wydick. B., Hayes. H. K., & Kempf. S. H. (2011). Social networks, neighborhood affects, and credit access: Evidence from rural Guatemala. World Development, 39, 974-982.

Working Paper

Grootaert, C. (1999). Social capital, household welfare and poverty in Indonesia. Local Level Institution Working Paper No. 6. Washington D.C.: The World Bank.

Bastelaer, T. (2000). Does social capital facility the poor’s access to credit? A review on the microeconomic literature. Social Capital Initiative Working Paper No. 8. Washington D.C.: The World Bank.


Refbacks

  • There are currently no refbacks.