THE IMPACT OF BRANCHLESS BANKING PROGRAM ON THE PERFORMANCE OF HOUSEHOLDS’ MICRO AND
SMALL BUSINESS IN RURAL AREA
A CASE STUDY IN BOGOR DISTRICT, WEST JAVA, INDONESIA
KTUT SILVANITA MANGANI
SEKOLAH PASCASARJANA INSTITUT PERTANIAN BOGOR
BOGOR 2018
STATEMENT RELATING TO THE DISSERTATION, SOURCES OF INFORMATION AND
COPYRIGHT TRANSFER*
With this statement, I declare that the dissertation with the title:”The Impact of Branchless Banking Program on the Performance of Households’ Micro and Small Business in Rural Area” is the result of my work with the guidance and advice from the supervisory committee and have not been submitted to any other universities, in any form. Sources of information which were quoted in the dissertation have been written in the references section.
I hereby transfer the copyright of this dissertation to Institut Pertanian Bogor.
Bogor, March 2018
Ktut Silvanita Mangani NIM P066120153.8DM
*Transfer of copyright of research study cooperation with external IPB – parties should be based on cooperation agreements.
© Copyright by IPB, 2018 All Rights Reserved
No part of this study may be used or reproduced in any manner whatsoever (printed, photographed, microfilm, etc) without written permission from Bogor Agricultural University
Dissertation
As a partial requirement to achieve Doctor of Business Management
at
Business and Management Study Program
THE IMPACT OF BRANCHLESS BANKING PROGRAM ON THE PERFORMANCE OF HOUSEHOLDS’ MICRO AND
SMALL BUSINESS IN RURAL AREA
A CASE STUDY IN BOGOR DISTRICT, WEST JAVA, INDONESIA
SEKOLAH PASCASARJANA INSTITUT PERTANIAN BOGOR
BOGOR 2018
KTUT SILVANITA MANGANI
Examiners of external commission at closed examination:
1. Prof Dr Ir Hermanto Siregar, MEc 2. Dr Aviliani, SE, MSi
Members of the promoter of external commission at opened promotion session:
1. Prof Dr Ir Hermanto Siregar, MEc 2. Dr Aviliani, SE, MSi
Title of Dissertation : The Impact of Branchless Banking Program on the
Performance of Households’ Micro and Small Business in Rural Area: A Case Study in Bogor District, West Java,
Indonesia.
Name : Ktut Silvanita Mangani NIM : P066120153.8DM
Approved by Supervisory Committee
Prof Dr Ir Yusman Syaukat, MEc Chairman
Prof Dr Ir Bustanul Arifin, MSc
Member Prof Dr Ir Mangara Tambunan, MSc
Member
Agreed by
Head of Study Program of Management and Business
Prof Dr Ir M Syamsul Maarif, MEng
Dean of Graduate School
Prof Dr Ir Anas Miftah Fauzi, MEng
Date of Closed Examination:
February 15, 2018
Date of Opened Promotion Session:
March 14, 2018
Date of Accomplishment:
ACKNOWLEDGEMENTS
He has made everything beautiful in its time! Praise the Lord for His grace that gave me the ability to finish my study and complete this dissertation. I am aware that many who have been contributing and supporting me in order to complete my study, therefore my greatest appreciation and sincere thanks would be presented to:
1. My supervisors Prof Dr Ir Yusman Syaukat, MEc, Prof Dr Ir Bustanul Arifin, MSc, and Prof Dr Ir Mangara Tambunan, MSc, who had infinite support and patiently guide me through the completion of the dissertation. Thanks also to Dr Rafał Balina, my supervisor from Warsaw University of Life Science-SGGW, Poland under Erasmus Plus program, as well as to Prof Dr Ir Hermanto Siregar, MEc and Dr Aviliani SE, MSi as examiners of the external commission, who also provided meaningful inserts and comments.
2. Rector of IPB, Dr Ir Arif Satria, Sp, MSi, Dean of Graduate School, Prof Dr Ir Anas Miftah Fauzi, MEng, and to the Management of School of Business IPB, Prof Dr Ir Noer Azam Achsani, MS, Prof Dr Ir Syamsul Maarif, MEng, as well as entire academic team, for their support, counsel, motivation, and sharing discussion.
3. Bank BRI, especially Division of Policy and Micro Business Development which has given me the opportunity to do a research related to Branchless Banking program.
4. Universitas Kristen Indonesia foundation (YUKI), which has provided scholarship support, as well as moral support from Ir Maruli Gultom (Rector of UKI 2008-2012), Dr Maruarar Siahaan, SH (Rector of UKI 2012-2018), and Dr Dhaniswara Harjono, SH, MH (Rector of UKI 2018-2022).
5. My good friends who have encouraged and supported the process of completion of this dissertation, namely Dr. Ir Adolf B. Heatubun, MS, Ir T Sunaryo, MA, PhD, and other parties that I cannot mention one by one for their invaluable aid and support.
Last but not least, an infinite thanks to my husband Ir Saut Pane, MBA who is always behind me in every step forward, supported, encouraged and helped me with his love, as well as our children Abram H. Pane, John M. Pane (†), and Edenise K. Pane who had given their support in the completion of my studies. I hope this research can be useful for many people.
Bogor, March 2018 Ktut Silvanita Mangani
