This study aims to analyze the effect of lifelong, notably adult and informal, learning experiences on the business capability and productivity of poor women entrepreneurs in rural Indonesia. The measures of entrepreneurial ability of the research subjects were in terms of their engagement, as microcredit receivers, in adult learning processes through daily production and selling activities; this includes the relative earnings gained from their income generating activities. The data collected are those from 400 respondents randomly selected from microcredit receivers of Bina Artha microfinance institutes in Cianjur, West Java, Indonesia. The data analysis focused on examining the effect of adult learning variables in comparison to school attendance on the women entrepreneurs’ business capability. The findings showed that some forms of adult and informal learning experiences had stronger effect on the entrepreneurs’ business capability than the school attendance. In light of the findings, it is to suggest that microcredit providers arguably should provide relevant skills training to improve lifelong learning experiences of microcredit receivers. This recommends that microcredit providers should take into account the benefits of lifelong learning experiences of microcredit receivers as one of the most important criteria for granting loan extension.

中文翻译：

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小额信贷供应，终身学习和印度尼西亚乡村贫困妇女的生产力

这项研究旨在分析终身学习（尤其是成人和非正式学习经历）对印度尼西亚农村贫困女企业家的业务能力和生产率的影响。研究对象的创业能力的衡量标准是他们作为小额信贷的接受者通过日常生产和销售活动参与成人学习过程的情况；这包括从其创收活动中获得的相对收入。收集的数据来自从印度尼西亚西爪哇省先安市的Bina Artha小额信贷机构的小额信贷接收者中随机选择的400名受访者。数据分析的重点是检查与学校出勤率相比，成人学习变量对女企业家商业能力的影响。研究结果表明，某些形式的成人和非正式学习经历对企业家的业务能力的影响要比在校学习的影响更大。根据调查结果，建议小额信贷提供者应该提供相关技能培训，以改善小额信贷接受者的终生学习经验。这建议小额信贷提供者应考虑到小额信贷接受者的终生学习经验的好处，这是授予贷款延期的最重要标准之一。建议小额信贷提供者应该提供相关技能培训，以改善小额信贷接受者的终生学习经验。这建议小额信贷提供者应考虑到小额信贷接受者的终生学习经验的好处，这是授予贷款延期的最重要标准之一。建议小额信贷提供者应该提供相关技能培训，以改善小额信贷接受者的终生学习经验。这建议小额信贷提供者应考虑到小额信贷接受者的终生学习经验的好处，这是授予贷款延期的最重要标准之一。