Conditional Cash Transfer (CCT) programs have emerged as significant tools for empowering women and improving family financial resilience, particularly in low-income countries. This study explores the impact of Indonesia's Family Hope Program (PKH), a CCT initiative covering approximately 10 million families, on women's economic agency and entrepreneurship. By positioning women as benefit managers, PKH strengthens their role in household economic decision-making. Research shows that women who manage CCT funds use them to meet their daily needs and invest in self-employment, thereby contributing to an increased family income. CCT recipients’ entrepreneurship is diverse, adapted to local potential and skills, and includes culinary, handicraft, and service-based business. Notably, CCT beneficiary products are marketed both locally and online, expanding their market reach. This study contributes to the understanding of good practices of CCT beneficiaries in strengthening the financial resilience of Indonesian women and their families. These findings suggest that enhancing women's financial resilience can encourage CCT beneficiaries to graduate from social protection programs. However, the effectiveness of CCT programs depends on thoughtful implementation that considers the broader sociocultural context and aims to challenge traditional gender roles for sustainable empowerment. Continued support, rigorous evaluation, and incorporation of qualitative assessments are crucial for maximizing the positive impact of CCT programs on alleviating poverty and improving health and educational outcomes.

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Conditional Cash Transfers and Financial Inclusion: Increasing Women's Economic Resilience in Low-Income Families

  • Habibullah Habibullah,
  • Siti Amanah,
  • Sumardjo,
  • E. Oos M. Anwas

摘要

Conditional Cash Transfer (CCT) programs have emerged as significant tools for empowering women and improving family financial resilience, particularly in low-income countries. This study explores the impact of Indonesia's Family Hope Program (PKH), a CCT initiative covering approximately 10 million families, on women's economic agency and entrepreneurship. By positioning women as benefit managers, PKH strengthens their role in household economic decision-making. Research shows that women who manage CCT funds use them to meet their daily needs and invest in self-employment, thereby contributing to an increased family income. CCT recipients’ entrepreneurship is diverse, adapted to local potential and skills, and includes culinary, handicraft, and service-based business. Notably, CCT beneficiary products are marketed both locally and online, expanding their market reach. This study contributes to the understanding of good practices of CCT beneficiaries in strengthening the financial resilience of Indonesian women and their families. These findings suggest that enhancing women's financial resilience can encourage CCT beneficiaries to graduate from social protection programs. However, the effectiveness of CCT programs depends on thoughtful implementation that considers the broader sociocultural context and aims to challenge traditional gender roles for sustainable empowerment. Continued support, rigorous evaluation, and incorporation of qualitative assessments are crucial for maximizing the positive impact of CCT programs on alleviating poverty and improving health and educational outcomes.