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p-Index From 2020 - 2025
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This Author published in this journals
All Journal Accounting and Finance Studies
Agus Kuntoro
Unknown Affiliation
Economics, Econometrics & Finance

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Financial Inclusion and Financial Stability: The Case of Islamic Rural Banking in Indonesia Sururi, Sururi; Agus Kuntoro
Accounting and Finance Studies Vol. 5 No. 1 (2025): (Issue-January)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/afs51.11942025

Abstract

Research Aims: This study aims to examine the relationship between financial inclusion and financial stability in the context of Islamic rural banks in Indonesia. Additionally, it incorporates bank-specific factors and macroeconomic conditions as independent variables. Design/methodology/approach: This research employs a quantitative approach using the Autoregressive Distributed Lag (ARDL) model, with time series data from January 2014 to June 2024. Research Findings: The findings reveal that financial inclusion does not significantly impact financial stability, which may be due to the limited accessibility of financial services for low-income populations. Furthermore, capital adequacy, profitability, and exchange rates generally have a positive influence on financial stability. On the other hand, credit risk, bank size, and inflation negatively affect financial stability. However, liquidity shows no significant effect on financial stability. Theoretical Contribution/Originality: This study contributes to the limited research on the relationship between financial inclusion and financial stability, specifically within the context of Islamic rural banks. Additionally, it employs a financial inclusion index to measure financial inclusion, adding a unique methodological approach to the existing literature.
Co-Authors Sururi Sururi, Sururi