THE EFFECT OF MICROFINANCE PROGRAMS ON ECONOMIC EMPOWERMENT and MEMBER LOYALTY at BMT MANDIRI SEJAHTERA SUMBERWUDI BRANCH, KARANGGENENG LAMONGAN

Davina Hesty Eka Cahyani; Dhita Dhora Damayanti; Titin; Evi Fitrotun Najiah

THE EFFECT OF MICROFINANCE PROGRAMS ON ECONOMIC EMPOWERMENT and MEMBER LOYALTY at BMT MANDIRI SEJAHTERA SUMBERWUDI BRANCH, KARANGGENENG LAMONGAN

Authors

Davina Hesty Eka Cahyani Universitas Islam Lamongan
Dhita Dhora Damayanti Universitas Islam Lamongan
Titin
Evi Fitrotun Najiah Universitas Islam Lamongan

Keywords:

Microfinance Program, Economic Empowerment, Member Loyalty.

Abstract

This study aims to examine the effect of the microfinance program on economic empowerment and member loyalty at BMT Mandiri Sejahtera Sumberwudi Branch, Karanggeneng, Lamongan. This research employed a quantitative approach with an associative research design. The sample consisted of 79 respondents selected using a probability sampling technique. Data were collected through questionnaires and analyzed using validity, reliability, normality, heteroscedasticity, simple linear regression, and partial t-test analyses. The results indicate that all research instruments were valid and reliable. The data were normally distributed and free from heteroscedasticity. The partial t-test revealed that the microfinance program had a positive and significant effect on both economic empowerment and member loyalty. Therefore, better implementation of the microfinance program contributes to higher levels of economic empowerment and stronger member loyalty at BMT Mandiri Sejahtera Sumberwudi Branch, Karanggeneng, Lamongan.

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Published

2026-10-20

How to Cite

Hesty Eka Cahyani, D., Dhora Damayanti, D., Titin, & Fitrotun Najiah, E. (2026). THE EFFECT OF MICROFINANCE PROGRAMS ON ECONOMIC EMPOWERMENT and MEMBER LOYALTY at BMT MANDIRI SEJAHTERA SUMBERWUDI BRANCH, KARANGGENENG LAMONGAN. JEKMA (Jurnal Ekonomi Mahasiswa), 4(2), 397–407. Retrieved from https://jurnalekonomi.unisla.ac.id/index.php/JEKMA/article/view/2910