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All Journal Signifikan : Jurnal Ilmu Ekonomi
Asep Solihin
STIE Sutaatmadja Subang [STIESA]
Economics, Econometrics & Finance

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Digital Finance For Improving Financial Inclusion Indonesians’ Banking Estu Widarwati; Asep Solihin; Nunik Nurmalasari
Signifikan: Jurnal Ilmu Ekonomi Vol 11, No 1 (2022)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v11i1.17884

Abstract

A digital finance service breakthrough is essential to get better financial assistance to optimize financial inclusion, and the effectiveness requires technological support in banking financial services. The study investigates the effect of digital finance on financial inclusion in Indonesians’ banking industry. We develop the new measurement, namely average digital finance (ADF), and use loan transactions to proxy financial inclusion. The samples are six banking during 2013-2019, and we use panel data regression to test the hypothesis and do a robustness check. Our result confirms that ADF positively impacts financial inclusion and finds evidence of bank size’s role in digital finance and financial inclusion. It implicates banks’ strategy for optimizing financial inclusion based on its characteristics such as age, profitability, and efficiency. It contributes to digital finance’s government policy for using explored internet banking and mobile banking stimulatingly.Widarwati, E., Solihin, A., & Nurmalasari, (2022). Digital Finance For Improving Financial Inclusion Indonesians’ Banking. Signifikan: Jurnal Ilmu Ekonomi, 11(1), 17-30. https://doi.org/10.15408/sjie.v11i1.17884.
Co-Authors Estu Widarwati Nunik Nurmalasari