Model pengentasan kemiskinan melalui peran financial inclusion di Indonesia

Abstract

The poverty rate in Indonesia is quite high compared to other Asean countries. Indonesia has a poverty rate of 9.8% higher than Thailand and Malaysia. The financial sector through financial inclusion is an alternative policy implemented by the government as an effort to relieve poverty in Indonesia. The fact in Indonesia there is still quite a lot of people who have not been able to access financial services, especially banking sector. This study aims to determine the model of poverty alleviation through the role of financial inclusion in Indonesia. The data analysis technique used PLS-SEM. The results showed that two of three financial inclusion variables, namely access and usage had a significant negative effect on poverty, which means when the role of financial inclusion in Indonesia increases can reduce the poverty in Indonesia. Access variable has a negative effect on poverty which means that increasing public access to debit card ownership, bank accounts, and e-money cards can reduce poverty in Indonesia. Usage variable has a negative effect on poverty which means the increasing use of financial services as reflected with the volume of debit transactions and credit transactions, it can reduce poverty in Indonesia.

Determinants of working poverty in Indonesia

“…(2016), which includes the variable availability of financial institutions in the regression model. Anindyntha et al. (2021) found that only two financial inclusion variables affect poverty reduction in Indonesia: financial access and financial usage.…”

“…This paper uses access to microcredit as one of the independent variables, in contrast to Ahmed et al (2016), which includes the variable availability of financial institutions in the regression model. Anindyntha et al (2021) found that only two financial inclusion variables affect poverty reduction in Indonesia: financial access and financial usage. At the same time, the availability of financial institutions has no significant effect on poverty.…”

The Role of Government and Digitalization (ICT) in Fostering Equitable Growth at the Coastal Village of Badung, Bali

“…Moreover, because the government has goals, people are slowly starting to want things related to digital transformation, such as services in different areas [5][6][7]. Hanna [8], said that the government could use the digital revolution to meet the needs of society by creating a safe and responsive public sector, letting more people take part in service delivery and policymaking [9,10], making service delivery more accountable and giving people more of a say [11][12][13].…”

Peran Bank Wakaf Mikro dalam Meningkatkan Kesejahteraan Masyarakat di Papua: Pendekatan Maqshid Syariah

“…Selama ini telah ada begitu banyak upaya yang dilakukan pemerintah dalam menekan angka kemiskinan (Agasi, 2023;Maharsani, 2022;Pratama et al, 2020), salah satunya adalah melalui pembangunan dan penguatan peran sektor finansial atau sektor keuangan (Anindyntha et al, 2021;Holle, 2020). Pembangunan dan penguatan peran sektor keuangan secara umum identik dengan proses perubahan perbaikan kondisi menuju ke arah yang lebih baik.…”