This study investigates the role of microfinance from small-sized banks, usually with a limited geographical area of operation, in Indonesia, namely Bank Perkreditan Rakyat (BPR) on the income inequality. Using a province level panel data of 2012-2018 the results show that loans from such a bank are associated with income inequality reduction, supporting the arguments that microfinance contributes to income inequality reduction. This study has an important policy implication regarding the existence of BPR in Indonesia.
This study aims to give innovation and value added to the brown sugar produced by the community in Sidorejo Village. The purpose is to provide a better income for the coconut farmer as well as to optimize the roles of BUMDES Binangun Dadi Maju as an economic catalyst. This project was conducted in Desa Sidorejo, Kapenemon Lendah, Kabupaten Kulon Progo, Daerah Istimewa Yogyakarta. There are three stages applied in this program i.e.: preparation, application and evaluation. Recommendations and guidance were given to the farmer and BUMDES to develop the brown sugar product and to produce the liquid brown sugar product. The new product development is still under evaluation for the commercial purpose.
This study analyzes Gojek's business as a part of disruptive innovations based on the original theory and principles developed by Clayton Christensen and discusses factors that driven Gojek to become disruptive innovation. In-depth interviews with Gojek’s employees were conducted to collect the data. The research finds that Gojek can be categorized as a disruptive innovation that successfully transformed the market. Innovation is the core culture of the organization, which leads the company to disrupt the market successfully. Several internal and external factors, such as leadership, organizational structure and culture, external funding, undeveloped law, customer needs, and internet penetration, have proven to support and accelerate Gojek as a disruptive innovation.
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