Efektivitas Surat Keterangan Kurang Mampu dalam Mendukung Ketahanan Ekonomi Keluarga Tidak Mampu

Abstract

Poverty remains a structural issue in Indonesia, requiring policy instruments that can expand low-income households’ access to essential public services. The Certificate of Indigency (SKKM) serves as an administrative document that formally verifies the socioeconomic status of disadvantaged families. This study aims to analyze the effectiveness of SKKM in supporting household economic resilience by facilitating access to education, healthcare, social assistance, and economic empowerment programs. The research employs a descriptive qualitative method based on a systematic review of relevant literature. The findings indicate that SKKM plays a significant role in reducing household expenditure burdens and stabilizing consumption patterns, thereby strengthening the economic resilience of poor families. However, its effectiveness is hindered by inaccurate beneficiary targeting, weak data management, and low administrative literacy among communities. The study concludes that SKKM has the potential to function as a strategic social protection instrument if accompanied by improved data governance, enhanced capacity of local administrators, and stronger integration with long-term economic empowerment programs.