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All Journal EKO-REGIONAL JURNAL PENGEMBANGAN EKONOMI WILAYAH Journal of Enterprise and Development (JED) Oikos - Nomos : Jurnal Kajian Ekonomi dan Bisnis Golden Ratio of Finance Management Mutanaqishah: Journal of Islamic Banking
Kadir, Rifadli D.
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Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

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Journal : Oikos - Nomos : Jurnal Kajian Ekonomi dan Bisnis

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THE IMPACT OF ISLAMIC FINANCIAL INCLUSION ON INDONESIAN HUMAN DEVELOPMENT Mohamad, Roni; Kadir, Rifadli D.; Katili, Chitra Yuliashri; Fadhilah, Nurul
Oikos Nomos: Jurnal Kajian Ekonomi dan Bisnis Vol 18, No 1 (2025): Juni 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jkeb.v18i1.32416

Abstract

This study seeks to examine the effect of Islamic financial inclusion on human development in Indonesia and to compare its effects between Western and Eastern Indonesia. The research included panel data from 33 provinces spanning the years 2018 to 2023, utilizing a quantitative methodology and a random effects regression model. The Islamic financial inclusion index is developed using the Principal Component Analysis (PCA) approach, including the dimensions of access, availability, and utilization of Islamic banking services. The study's findings indicate that Islamic financial inclusion positively and significantly impacts the Human Development Index (HDI) at both national and regional levels. The Western Indonesia region benefited most from IFI, but the Eastern region experienced a more uneven and lower impact. These results imply that more access to Islamic financial services can enhance people's standard of living, health, and education, all of which can impact their quality of life. The study advocates for the enhancement of Islamic financial infrastructure, the promotion of Islamic financial literacy, and the implementation of policies that address regional inequities.
Co-Authors Chitra Yuliashri Katili Gobel, Ritfiani Katili, Chitra Yuliashri Mohamad, Roni Nurul Fadhilah Polapa, Asma Rudi Masniadi Sekarrini, Laras Ayu Sri Dewi Yusuf Ummah, Syarifatul