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INDONESIA
Dia: Jurnal Administrasi Publik
Published by Universitas 17 Agustus 1945 Surabaya
ISSN : 02166496     EISSN : 26157268     DOI : DOI: https://doi.org/10.30996/dia.v18i1
Core Subject : Humanities, Science, Social,
Humanities Decision Sciences, Operations Research & Management Social Sciences
DIA: Journal of Public Administration Studies is published by the public administration department at the University of 17 August Surabaya, as a medium of communication and dissemination of research results and scientific work in the field of Public Policy, Local Government, Public Management, Public Service and Development. The DIA editorial is very open in accepting articles and book reviews related to our scope in the field of public administration.
Arjuna Subject : Ilmu Sosial - Administrasi Publik
Articles 471 Documents
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THE EFFECT OF FINANCIAL INCLUSION THROUGH CREDIT ACCESS ON HOUSEHOLD WELFARE IN INDONESIA Shafyra Amani; Sulthan Faiz Akbar; Hasna Rofifah; Olivia Christine Angelina; Akthia Lazzuar Mantari
DIA: Jurnal Administrasi Publik Vol. 23 No. 02 (2025): PUBLIC ADMINISTRATION
Publisher : Program Studi Doktor Ilmu Administrasi, FISIP, Universitas 17 Agustus 1945 Surabaya

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Abstract

Financial inclusion is widely promoted as a program for enhancing household welfare by expanding access to credit and other financial services. This study empirically examines the impact of credit access on household welfare in Indonesia, utilizing total and disaggregated expenditures as indicators of welfare. Drawing on data from the fifth wave of the Indonesia Family Life Survey (IFLS 5, 2014-2015), we implement a quasi experimental design with Propensity Score Matching (PSM) to compare households that received individual credit with observationally similar control households. The results reveal that credit access has a significant impact on nonfood expenditures, while food expenditures remain unaffected. These findings are consistent with Amartya Sen's capability framework, which emphasizes the importance of inclusive financial access in expanding individual freedoms, and with Engel's Law, which predicts that households allocate additional income toward quality-enhancing goods once their basic food needs are met. Our study highlights the role of targeted credit provision in promoting welfare beyond subsistence consumption, offering policy insights for strengthening inclusive finance initiatives in developing economies.

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