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All Journal Jurnal Ilmiah Mahasiswa FEB Journal of Islamic Monetary Economics and Finance
Asyatun, Irma
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Economics, Econometrics & Finance Education

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REGIONAL AND ACCESSIBILITY ANALYSIS OF THE BANKING SYSTEM AND THEIR IMPACTS TOWARD REGIONAL FINANCIAL INCLUSION IN INDONESIA Asyatun, Irma
Journal of Islamic Monetary Economics and Finance Vol 4 No 2 (2018)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (713.155 KB) | DOI: 10.21098/jimf.v4i2.1015

Abstract

Financial inclusion has been widely discussed in the global level. The increased engagement in discussion of financial inclusion is inseparable from the implementation of policy priorities which are seemingly leaning towards improving financial inclusion to tackle poverty and growing inequality in a country. This article seeks to identify whether regional variables (income level, educational level, income inequality, population size and banking accessibility) are significant on influencing financial inclusion in Indonesia. This study proxied financial inclusion level by measuring the financial inclusion index using the method developed by Sarma in 2012. The research is conducted for 3 years, between 2012-2015. Employing the panel data estimation method, the results indicate that income level, educational level, and banking accessibility possess significant impact on financial inclusion in regional Indonesia.
REGIONAL AND ACCESSIBILITY ANALYSIS OF THE BANKING SYSTEM AND THEIR IMPACTS TOWARD REGIONAL FINANCIAL INCLUSION IN INDONESIA Asyatun, Irma
Journal of Islamic Monetary Economics and Finance Vol. 4 No. 2 (2018)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v4i2.1015

Abstract

Financial inclusion has been widely discussed in the global level. The increased engagement in discussion of financial inclusion is inseparable from the implementation of policy priorities which are seemingly leaning towards improving financial inclusion to tackle poverty and growing inequality in a country. This article seeks to identify whether regional variables (income level, educational level, income inequality, population size and banking accessibility) are significant on influencing financial inclusion in Indonesia. This study proxied financial inclusion level by measuring the financial inclusion index using the method developed by Sarma in 2012. The research is conducted for 3 years, between 2012-2015. Employing the panel data estimation method, the results indicate that income level, educational level, and banking accessibility possess significant impact on financial inclusion in regional Indonesia.
Analisis Variabel Kewilayahan Dan Tingkat Aksesibilitas Perbankan Terhadap Inklusi Keuangan Regional Indonesia Asyatun, Irma
Jurnal Ilmiah Mahasiswa FEB Vol. 6 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Inklusi keuangan menjadi topik hangat yang bicarakan secara global terkait diterapkannya prioritas kebijakan banyak negara yang mengarah  pada peningkatan inklusi keuangan untuk mengatasi masalah kemiskinan dan ketimpangan di suatu negara.  Artikel ini berusahan mengidentifikasi apakah variabel kewilayahan yaitu tingkat pendapatan masyarakat, tingkat pendidikan, ketimpangan pendapatan, jumlah populasi dewasa dan tingkat aksesibilitas perbankan signifikan mempengaruhi inklusi keuangan di Indonesia. penelitian ini memproksikan tingkat inklusi keuangan dengan menghitung nilai indeks inklusi keuangan menggunakan metode yang dikembangkan oleh  Sarma pada tahun 2012. Periode penelitian dilakukan dari tahun 2012 hingga 2015.  Dengan menggunakan metode estimasi panel data, hasil penelitian ini menunjukan bahwa tingkat pendapatan masyarakat, tingkat pendidikan dan tingkat aksesibilitas perbankan signifikan positif mempengaruhi inklusi keuangan di Wilayah Regional Indonesia. Sedangkan tingkat ketimpangan pendapatan dan jumlah populasi dewasa tidak signifikan mempengaruhi inklusi keuangan di Wilayah Regional Indonesia. Kata Kunci: Inklusi Keuangan, Indeks Inklusi Keuangan, Aksesibilitas Perbankan
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