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All Journal Contemporary Studies in Economic, Finance and Banking (CSEFB)
Rachma, Hafizhah
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

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Determinants of Financial Inclusion in West Java Rachma, Hafizhah; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

West Java Province has significant economic potential, yet financial inclusion remains uneven across the region, particularly in terms of formal account ownership and access to credit. This study aims to examine the influence of demographic and digital factors on financial inclusion in West Java. The demographic factors analyzed include region, gender, age, education, and economic activity, while the digital factors cover mobile phone ownership and internet use. This study employs a quantitative approach using secondary data from the Survei Sosial Ekonomi Nasional (SUSENAS) 2024. Binary logistic regression analysis is applied to estimate the probability of both account ownership and credit access. The results indicate that account ownership is significantly influenced by gender, productive age, education, employment status, and the use of mobile phones and the internet, while region shows no significant effect. In contrast, access to credit is significantly affected by region, education, and internet use. These findings highlight the critical role of digital technology in expanding financial inclusion and suggest the need for targeted policies that consider specific social and regional characteristics.
Co-Authors Citra Rahayu Indraswari, Citra Rahayu