Monash University

Embargoed and Restricted Access

Reason: Under embargo until 21 May 2022. After this date a copy can be supplied under Section 51(2) of the Australian Copyright Act 1968 by submitting a document delivery request through your library

Group Lending, Personal Wellbeing and Business Success among Low Income Women in Indonesia

posted on 2021-05-21, 03:37 authored by ZAHRA KEMALA NINDITA MURAD
This thesis investigates the effects of microcredit provision among low-income women in West Java, Indonesia. Microcredit provided through a group lending model can play a vital role in giving access to finance, and supporting women to start and grow small businesses. The thesis finds that women who have longer involvement with a microcredit program experience several improvements in business outcomes and wellbeing, including psychological capital, emotional wellbeing and aspects of social capital. The borrower’s relationship with loan officers also helps improve skills in goal-setting and handling difficulties, demonstrating the many ways in which women’s capabilities can be improved through such programs.


Campus location


Principal supervisor

Brett Inder

Additional supervisor 1

Veronique Ambrosini

Year of Award


Department, School or Centre

Econometrics and Business Statistics

Additional Institution or Organisation

Department of Econometrics and Business Statistics


Doctor of Philosophy

Degree Type



Faculty of Business and Economics