Impact of Digital Technologies on Social Productivity growth of Microfinance Institutions in Indonesia

摘要

Over the past decade, many microfinance institutions (MFIs) have implemented various innovative financial solutions, including mobile-phone financial services, aiming to improve their social and financial productivity. This impact is therefore examined using qualitative and quantitative methods., we have applied in stage one DEA-based Malmquist Index to measure the growth in social efficiency of Indonesia MFIs and in stage two, critical discourse analysis is conducted on digital technologies, in particular mobile money applications in Indonesia which links to the contemporary digital landscape. The first part of the analysis illustrates the change in efficiency and digital technology as well total outreach grwth. Furthermore, the findings determine whether, how, and why (not) digital technologies in particular, mobile money applications contribute to the growth in social efficiency across selected microfinance institutions in Indonesia. The findings detail the way in which a range of financial services is (not) coherent across daily undertakings across underprivileged communities, and demonstrates how scholars can expand the field, where social efficiency can be achieved.