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All Journal ETIKONOMI
L. Leonnard
Sekolah Tinggi Manajemen IPMI
Economics, Econometrics & Finance

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Factors Influence Financial Inclusion: Evidence from Indonesian Micro Data Etty Susilowati; L. Leonnard
ETIKONOMI Vol 18, No 1 (2019)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (261.023 KB) | DOI: 10.15408/etk.v18i1.9070

Abstract

In order to increase access to formal financial institutions, the Indonesian government has issued various national strategies. However, Indonesia’s inclusive financial index is still under other ASEAN countries. Therefore, in this study, we investigate the factors that influence financial inclusion in Indonesia. The microdata from global findex 2014 was carried out in this study by using binary logistic regression analysis. The finding indicates that there is a significant positive relationship between individual characteristics, including financial inclusion, constraints to financial inclusion, utilization of financial services motivation, and loan sources. Since the main targets of financial inclusion are the poor, this finding becomes an essential proposition for policies in the banking sector, that besides the factors of gender, age, education, and type of jobs, income is the primary factor that influences access and utilization of financial services. Mainly regarding loans, increased income will increase the opportunities of the poor to getting loans because only high-income groups have collateral in applying for loans.JEL Classification: D14, G20
Co-Authors Etty Susilowati