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All Journal Kinerja MODUS-Jurnal Ekonomi dan Bisnis
Mangowal, Caroline
Faculty of Economics Universitas Atma Jaya Yogyakarta
Economics, Econometrics & Finance

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KOMPARASI PENINGKATAN INKLUSI KEUANGAN DAN INDIKATOR PEMBANGUNAN DI INDONESIA Akyuwen, Roberto; Mangowal, Caroline
Modus Journals Vol 30, No 1 (2018): MODUS
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v30i1.1590

Abstract

The level of financial inclusion depicts public participation or access of financial products and services provided by financial institutions in a country. Such access is viewed essential, because it illustrates the opportunity of a more prosperous life for the society. The results of a survey conducted by the Financial Services Authority of Indonesia shows that financial inclusion in Indonesia has increased in considerably rapid pace in the last few years. However, is the improvement of conditions for financial inclusion in line with the improvements to the indicators of development in Indonesia? The study was intended to answer this question. Analysis tools used are descriptive statistics by making use of secondary data available on the Financial Services Authority and the Central Bureau of Statistics. Based on the results of the analysis it can be concluded that improvements to financial inclusion apparently has not been able to contribute positively towards the many indicators of development of Indonesia. Various improvements are necessary in order for increased financial inclusion to be transmitted effectively to the improvement of welfare of the population of Indonesia. Keywords: access, financial inclusion, indicators of development.
LEADERSHIP CHALLENGES OF REGIONAL BANKS IN INDONESIA Akyuwen, Roberto; Mangowal, Caroline
KINERJA Vol 23, No 1 (2019): KINERJA
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (953.833 KB) | DOI: 10.24002/kinerja.v23i1.2131

Abstract

Bank Pembangunan Daerah (BPD) or the Regional Development Bank of Indonesia is designed to be an agent for regional development with products and services that contribute to the improvement of employment, poverty, disparity, financial literacy and inclusion. However, regional government leaders often intervene with operations and decision making in the banks. To study the extent to which external factors influence leadership in the BPD, this qualitative study used secondary data from the Financial Service Authority or Otoritas Jasa Keuangan (OJK) combined with interviews with BPD leaders and stakeholders. The findings show that the interventions of the regional government leaders were highly influential and resulted in negative consequences on BPD management which directly or indirectly affected the performance of the banks. This study is expected to provide insights into measures which would promote the role of regional banks as a development agent. Keywords: development agent, interventions, leaderships, Regional Development Banks 
Co-Authors Roberto Akyuwen