JURNAL MANAJEMEN MOTIVASI
Vol 22 No 1 (2026): Jurnal Manajemen Motivasi

The Relationship between Banking Credit and Poverty Levels in Indonesia

Danang Adi Surya (Unknown)
Setyowati, Eni (Unknown)

Article Info

Publish Date
20 Jan 2026

Abstract

The banking sector plays a strategic role in Indonesia’s economy, acting as a financial intermediary and driver of poverty reduction. This study examines the relationship between bank credit and poverty levels in both urban and rural areas across Indonesia. Using a descriptive-quantitative method and Spearman Rank Correlation on 2000–2023 BPS data, the findings show a significant negative correlation between bank credit and poverty (Sig. 0.00) in all areas. These results highlight bank credit as a key factor in poverty alleviation, underscoring the need to expand public access to financial services.

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...