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All Journal Jurnal Projemen UNIPA
Nabila Ariini Rosyada
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Perbedaan Akses Bantuan Sosial antara Wilayah Perkotaan dan Pedesaan: Analisis Multinomial Pilihan Lokasi Pengambilan Bantuan PKH di Yogyakarta Nabila Ariini Rosyada; Dwi Listiani; Sofyan Ashari Nur
Jurnal Projemen UNIPA Vol 13 No 3 (2026): September : Jurnal Projemen UNIPA
Publisher : Universitas Nusa Nipa Maumere

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/projemen.v13i3.1538

Abstract

The Family Hope Program (Program Keluarga Harapan/PKH) is a conditional cash transfer program aimed at reducing poverty in Indonesia. The effectiveness of PKH disbursement depends not only on the amount and targeting accuracy of assistance but also on the accessibility of disbursement locations for beneficiary households, particularly in rural areas. This study analyzes how regional status (urban or rural) affects PKH disbursement location choice in the Special Region of Yogyakarta. The data are drawn from the 2020 National Socio-Economic Survey (Susenas) of Yogyakarta Province, with 697 PKH-recipient households as the unit of analysis. We used multinomial logistic regression, with ATM as the reference (base) outcome, compared with Post Office, Bank Office, Bank Agent, and other locations. The results show that regional status significantly affects the choice of disbursement location for the Bank Office, Bank Agent, and Other categories (p<0.05), but not for the Post Office (p>0.05). Rural households tend to prefer Bank Offices and Bank Agents over ATMs, while urban households predominantly use ATMs. These findings suggest the need to strengthen non-ATM banking infrastructure, such as Bank Agents/Laku Pandai, in rural areas to make PKH disbursement more inclusive and efficient.
Co-Authors Dwi Listiani Sofyan Ashari Nur