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All Journal Jurnal Keuangan dan Perbankan MANAJEMEN DEWANTARA
Muh Juan Suam Toro
Universitas Sebelas Maret
Economics, Econometrics & Finance

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Households, Financial Distress, and Predatory Lending: An Experimental Study Irwan Trinugroho; Ariyanto Adhi Nugroho; Harmadi Harmadi; Joko Suyono; Muh Juan Suam Toro
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (199.932 KB) | DOI: 10.26905/jkdp.v21i3.1261

Abstract

A substantial part of households and micro enterprises, particularly in developing countries including Indonesia, did not have access to formal financial institutions which then lead them to borrow money from illegal loan providers. Using an experimental study, we tested whether predatory loan, an illegal short-term loan with high-interest rate, was preferable or not by comparing with pawnshop loan, bank loan and household’s limited saving when households confront with financial distress. We divided the participants into three groups: lower low, low, and upper low income. We found that predatory loan was preferable especially for the lower low and low-income group. Result also confirmed that even if the predatory loan charge was increased, the lower low- and low-income groups still prefer to ease their financial distress through predatory loans. Moreover, the longer the duration of the predatory loan, the higher its probability to be chosen as a funding source in times of household financial distress.DOI: https://doi.org/10.26905/jkdp.v21i3.1261
HOW READY ARE PEOPLE FOR CASHLESS SOCIETY? Irwan Trinugroho; Hunik Sri Runing Sawitri; Muh Juan Suam Toro; Siti Khoiriyah; Arief Budi Santoso
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (559.07 KB) | DOI: 10.26905/jkdp.v21i1.1231

Abstract

Financial technology could be an effective tool to achieve financial inclusion. However, it neededa certain level of readiness of society. In this paper, we investigated the determinants of readinessin the implementation of digital financial services which led to cashless society. We did a surveyon 993 adults in a province in Indonesia using proportional sampling technique. Estimated usingordinary least square, our empirical results showed that readiness perception had high correlationwith the quality of supporting infrastructure. By taking into account some demographic factors,we found that more educated and younger people had high spirit to adopt this system. Evidenceshowed that men were more enthusiastic in using such technological-based system. However, wedid not find an evidence on the difference of readiness perception between those living in rural andthose living urban areas.
LITERASI KEUANGAN DIGITAL UNTUK MENDORONG WIRAUSAHA BERBASIS DIGITAL Nugroho Saputro; Muhammad Yusuf Indra Purnama; Linggar Ikhsan Nugroho; Muh Juan Suam Toro; Putra Pamungkas; Agista Putri Prameswari; Irwan Trinugroho
MANAJEMEN DEWANTARA Vol 7 No 1 (2023): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26460/md.v7i1.13606

Abstract

Digital-based financial innovation has grown rapidly in recent times along with internet and smartphone penetration. The emergence of fintech and the existence of digital-based innovations carried out by incumbents in the financial services sector, in this case banking, are expected to increase financial inclusion. Furthermore, financial inclusion will encourage the growth of the real sector through increasing new entrepreneurs and also increasing the scale of existing micro and small businesses so that it will ultimately drive economic output growth. However, to achieve this goal, joint efforts are needed to increase the digital financial literacy of the community, especially the younger generation so that digital financial presence can be used for productive activities. This article discusses community service programs within the framework of developing digital financial literacy to encourage the growth of new entrepreneurs and increase the scale of existing micro and small businesses, especially by utilizing technology..
Co-Authors Agista Putri Prameswari Arief Budi Santoso Ariyanto Adhi Nugroho Harmadi Harmadi Hunik Sri Runing Sawitri Irwan Trinugroho Irwan Trinugroho Irwan Trinugroho, Irwan Joko Suyono Linggar Ikhsan Nugroho Muhammad Yusuf Indra Purnama Nugroho Saputro Putra Pamungkas Siti Khoiriyah