Empowering Low-Income Women Through Grameen Bank Lending Strategies by the Kangae, Ende, and Nita Branches of the Mitra Dhuafa Cooperative (KOMIDA)

Empowering low-income women is an important issue in efforts to improve family economic welfare. Koperasi Mitra Dhuafa (KOMIDA) implements a Grameen Bank-based lending strategy to support women entrepreneurs in Kangae, Ende, and Nita branches. This study aims to analyze the effectiveness of KOMIDA's credit strategy in improving the welfare of its members. The research method used is descriptive qualitative with data collection techniques through interviews, observation, and documentation. The results showed that the Grameen Bank pattern applied by KOMIDA had a positive impact on increasing women's income as well as easier and more flexible access to business capital. In addition, the savings and financing programs implemented are able to improve the financial literacy of members. The conclusion of this study is that the cooperative-based microcredit model plays a significant role in improving the economic welfare of women, especially those in the lower middle economic group.