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All Journal Journal of Regional Economics and Development
Mollet, J.
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Economics, Econometrics & Finance

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Financial Inclusion and Poverty Reduction in Remote Regions: Evidence from Lanny Jaya Regency, 2022–2023 Wenda, Yusuf; Mollet, J.; Hutajulu, Halomoan
Journal of Regional Economics and Development Vol. 3 No. 1 (2025): November
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jred.v3i1.942

Abstract

Financial inclusion has increasingly been positioned as a strategic instrument for accelerating poverty reduction, particularly in geographically isolated regions where formal financial access remains limited. This study examines the relationship between financial inclusion and poverty in Lanny Jaya Regency, Papua Highlands, during the period January 2022–December 2023. Using a mixed-methods design, monthly secondary data (N = 24) on poverty rate, bank account ownership, availability of banking service points, electronic money usage, and financial literacy were analyzed using descriptive statistics and simple linear regression, complemented by qualitative field observations and interviews. The results show a consistent decline in the poverty rate from 28.5% to 22.8% alongside significant improvements in financial inclusion indicators: account ownership (32.1%→46.5%), banking outlets (4→10 units), e-money users (8.3%→19%), and financial literacy (55.2%→66%). Regression analysis confirms a strong and statistically significant negative relationship between financial inclusion and poverty (β = –0.518; R² = 0.998; p < 0.001). The findings demonstrate that enhanced access and utilization of formal financial services contribute to poverty reduction, although structural barriers such as geographical isolation, low digital readiness, and product–user mismatch persist. Policy implications emphasize expanding last-mile financial infrastructure, context-specific credit products, and community-based financial literacy programs.
Assessing the Impact of Economic Growth on Regional Income Inequality: Evidence from the Papua Highlands, Indonesia (2022–2023) Wenda, Dekis; Mollet, J.; Hutajulu, Halomoan
Journal of Regional Economics and Development Vol. 3 No. 1 (2025): November
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jred.v3i1.945

Abstract

Economic growth is often perceived as a driving force of development; however, it can simultaneously lead to widening income inequality, particularly in resource-dependent regions. This study investigates the effect of economic growth on income inequality in the Papua Highlands, Indonesia, during the period 2022–2023. Using secondary data from the Central Bureau of Statistics (BPS), the analysis employs a simple linear regression model to examine the relationship between Gross Domestic Product (GDP) growth and the Gini coefficient. The findings reveal a positive and statistically significant relationship between economic growth and income inequality, with a regression coefficient of 0.019 and an adjusted R² of 0.817. This indicates that regional economic expansion has contributed to the widening of income disparities across districts in the Papua Highlands. The results confirm the Kuznets hypothesis, which posits that inequality tends to increase in the early stages of economic growth before eventually declining. The study concludes that growth in the Papua Highlands has been concentrated in capital-intensive sectors such as mining and government administration, while local community participation remains limited. It recommends policies focused on equitable resource distribution, sectoral diversification, and inclusive development strategies.
Co-Authors Halomoan Hutajulu Wenda, Dekis Wenda, Yusuf