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Jurnal Ekonomi dan Bisnis Jagaditha
Published by Universitas Warmadewa
ISSN : 23554150     EISSN : 25798162     DOI : 10.22225/jj
Core Subject : Economy,
Economics, Econometrics & Finance
JAGADITHA: Jurnal Ekonomi & Bisnis P-ISSN: 2355-4150, E-ISSN: 2579-8162 is a journal of economic and bussiness published by Management Deparment, Postgraduated Program, Warmadewa University, provides a forum for publishing research articles or review articles. This journal has been distributed by WARMADEWA PRESS started from Volume 1 Number 1 Year 2014 to present. The scope of journal is restricted to the fields of economic and business study. The journal is published twice a year every march and september.
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Search results for , issue "208-221" : 1 Documents clear
Empowering Marginalized Unbanked Communities Through Financial Inclusion in Indonesia I Gusti Ngurah Agung Kepakisan Mandala; Nyoman Sri Subawa; Ida Bagus Raka Suardana
Jurnal Ekonomi dan Bisnis Jagaditha 208-221
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.13.1.2026.208-221

Abstract

Financial inclusion has emerged as a strategic solution for empowering marginalized communities in Indonesia, who often face significant barriers in accessing formal financial services. Challenges such as low financial literacy, limited infrastructure, and unstable income hinder their ability to utilize financial products effectively. Financial Self-Efficacy (FSE), defined as an individual’s belief in their capacity to manage financial matters, plays a crucial role in enhancing their engagement with financial services. A financial inclusion approach that integrates financial literacy, digital technology, and institutional support has proven effective in improving both access to and the usability of financial services for these populations. This study synthesizes various strands of literature to identify best practices in promoting financial inclusion among marginalized groups in Indonesia. The findings highlight that technology-driven financial education programs, inclusive financial products, and collaborative efforts between the government and private sector yield significant positive outcomes. Furthermore, improvements in financial literacy and FSE are associated with healthier financial behaviors, such as consistent saving habits and responsible debt management. An integrated strategy for financial inclusion can reduce socio-economic disparities, enhance individual well-being, and contribute to inclusive economic growth. The study recommends a holistic approach that encompasses education, innovation, and cross-sector collaboration as key strategies to advance financial inclusion in Indonesia.

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