Model Probability Unit (Probit) Pinjaman Mikro Terhadap Kemiskinan Rumah Tangga di Indonesia

Suratini Suratini

Abstract


Model Probit digunakan untuk menguji tingkat kemiskinan dalam penelitian ini dinyatakan dalam bentuk dummy variabel. Variabel Dummy tingkat kemiskinan dibuat dari nilai kuantitatif yang menjadi ukuran tingkat kemiskinan. Nilai 1 adalah dummy rumah tangga miskin dan dummy 0 adalah rumah tangga tidak miskin. Definisi miskin yang digunakan dalam penelitian adalah rumah tangga yang berada dalam kelompok 40 persen terbawah dari PCE. Berdasarkan hasil estimasi model Probit dapat disimpulkan bahwa pinjaman tahun 2000 tidak berpengaruh signifikan terhadap probabilitas penurunan tingkat kemiskinan rumah tangga tahun 2007. Tidak signifikannya pengaruh pinjaman mikro terhadap probabilitas tingkat kemiskinan rumah tangga tahun 2007 dikarenakan pinjaman mikro saja dirasa tidak mampu untuk mengatasi kemiskinan karena masalah asymemetric information dan moral hazard tetap menjadi isu negatif  pengembangan pinjaman mikro. Pola masyarakat yang melakukan pinjaman berulang (multiple loan) dapat menjadi bomerang karena salah memanfaatkan pinjaman tersebut.

Kata Kunci: probability, probit, pinjaman, mikro, kemiskinan.


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