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All Journal JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Scientific Journal of Reflection : Economic, Accounting, Management and Business MBIA JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) Journal of Research in Business, Economics, and Education Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat JURNAL ABDIMAS TRIDHARMA MANAJEMEN DEDIKASI PKM Jurnal Disrupsi Bisnis Jurnal Ekonomi Efektif Jurnal PADMA: Pengabdian Dharma Masyarakat Jurnal Arastirma e-Jurnal Apresiasi Ekonomi Jurnal PERKUSI: Pemasaran, Keuangan dan Sumber Daya Manusia
Lili Sularmi
Universitas Pamulang
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Barriers to Financial Inclusion in Indonesia: A Mixed-Methods Study on Low-Income Households Lili Sularmi; Fauziah Septiani; Vidya Amalia Rismanty
JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Vol. 10 No. 1 (2023): JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) NOVEMBER
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jkbm.v10i1.10469

Abstract

Lack of trust in financial institutions is a multi-layered issue shaped by individual experiences, community narratives, systemic factors, and the broader social and cultural milieu. It poses a significant barrier to financial inclusion, as trust is the foundation upon which all financial transactions are built. This study provides an in-depth analysis of the factors affecting financial inclusion among low-income households in Indonesia. Employing a mixed-methods approach, the research combines quantitative data from 241 res-pondents with qualitative insights gathered through in-depth interviews. The study finds that education level is significantly correlated with financial inclusion, confirming its critical role as an individual-level factor. Additionally, while geographic proximity to financial institutions does not guarantee higher financial inclu-sion, other accessibility issues such as complex banking procedures and unreliable internet connectivity act as barriers. Cultural norms and lack of trust in financial institutions also emerge as significant hindrances. The findings call for a multifaceted approach to improve financial inclusion, emphasizing the importance of education, refinement of service accessibility, and building community trust.
Co-Authors Ahidin, Udin Ana Septia Rahman Angga Pratama Asep Sulaeman Banjal, Teul Panda Budhi Prabowo Cherly Stifanny Deni Febryani Eri Anggraini Fauziah Septiani Feb Amni Hayati Feb Amni Hayati Guruh Tarsono Putra Imam Syatoto Iman Syatoto Jeni Andriani Lilis Suryani Lily Setyawati Kristianti Maghfiroh Yanuarti Mugenih Mugenih Muhammad Abdul Rajak Muhammad Guruh N Lilis Suryani N Rusnaeni N. Lilis Suryani Ninik Anggraini Nurul Hikmah apriyanti Rahmi Andini Syamsuddin Rini Dianti Sigit Purnomo Sugeng Widodo Sunanto Sunanto veritia veritia Veritia, Veritia Vidya Amalia Rismanty Yuga Pratama