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All Journal Indonesian Journal on Learning and Advanced Education (IJOLAE)
Amra Sabic-El-Rayess
Teachers College, Columbia University
Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Role of Education in Financial Inclusion of Poor and Unbanked Women in India Amra Sabic-El-Rayess
Indonesian Journal on Learning and Advanced Education (IJOLAE) Vol 1, No. 2, July 2019
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/ijolae.v1i2.8413

Abstract

In recent times, the global financial system has embraced more people from more regions of the world, but we are yet to fully understand who remains excluded and why. Globally, 2 billion adults are still unbanked (World Bank, 2015). Of those, many are poor women. Even when they gain financial access, women tend to refrain from actively using their bank accounts. India represents a potent example of this global challenge. Our study offers a quantitative analysis of the Financial Insights Inclusion and Findex datasets and finds that even when they are given the opportunity and potential benefits of financial access - many of India’s poor women opt out of actively engaging with the formal banking institutions. In examining reasons behind their account dormancy, we find that education is a significant determinant shaping decisions of India’s poor women.
Providing Equity of Access to Higher Education in Indonesia: A Policy Evaluation Ihsan Fadhil; Amra Sabic-El-Rayess
Indonesian Journal on Learning and Advanced Education (IJOLAE) Vol. 3, No. 1, January 2021
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/ijolae.v3i1.10376

Abstract

In the last decade, Indonesia has worked towards expanding access to higher education, but the enrolment of the poor remains negligible with the majority of students in the country’s leading public universities still coming from Indonesia’s wealthiest echelons. Concerned with the issue of equity and access, the government has formulated a new policy calling on all higher education institutions to ensure at least 20% of their newly admitted students are of a low socioeconomic status (SES). The principal challenge the government has faced is a discrepancy between its ambitious political agenda and the policy’s implementation affected by inadequate budgeting, lacking implementation mechanisms, and limited award allocations. This challenge raises a question of whether the Equity and Access Policy can be effectively implemented and, if so, under what conditions can such success be achieved. We thus examine the country’s Equity and Access Policy, education system with its leadership structure, broader institutional framework, and how these factors interact to obstruct the higher education access for the poor in Indonesia. The inadequate policy implementation can impede Indonesia’s human capital development and the country’s economic growth.
Co-Authors Ihsan Fadhil