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Azka Azifah Dienillah
Bogor Agricultural University

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DAMPAK INKLUSI KEUANGAN TERHADAP STABILITAS SISTEM KEUANGAN DI ASIA Azka Azifah Dienillah; Lukytawati Anggraeni
Buletin Ekonomi Moneter dan Perbankan Vol 18 No 4 (2016)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (190.655 KB) | DOI: 10.21098/bemp.v18i4.574

Abstract

Financial inclusion is one of strategy to increase inclusive growth in Asian countries. However, it may cause either stability or instability in the financial system. Therefore, this research aimed to analyze the relationship between financial inclusion and financial stability and to analyze factors that affect the stability of the financial system in seven Asian countries in the periode of 2007-2011. The methods used are Pearson correlation and Fixed Effect Model. The results show that there is negative correlation at 5% significant level between financial inclusion and financial stability. Factors that significantly affect the financial stability are financial inclusion, financial stability in the previous period, non-FDI capital flows to GDP, the ratio of current assets to deposits and Short-term funding, and GDP per capita. Thus the increase in financial inclusion, current assets of banking, GDP per capita, and the portfolio investment can become the strategies to improve the financial stability (Bank z score) on the determined and future year.
Impact of Financial Inclusion on Financial Stability based on Income Group Countries Azka Azifah Dienillah; Lukytawati Anggraeni; Sahara Sahara
Buletin Ekonomi Moneter dan Perbankan Vol 20 No 4 (2018)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (361.449 KB) | DOI: 10.21098/bemp.v20i4.859

Abstract

Financial inclusion is one of strategies to increase inclusive growth in a lot of countries. However it may cause either stability or instability in the financial system and the impact can be different among income group countries. Potential instability in the financial system occurs when financial inclusion causes reduction in credit standard, inceasing risk of bank reputation, and uncoresponding regulation in microfinance. Therefore, this research aimed to measure financial inclusion and financial stability indexes between countries and analyze the impact of financial inclusion on financial stability in 19 countries based on income group from 2004-2014. Data were collected from World Bank, the International Monetary Fund (IMF) database, and other sources. The methods used Sarma index to calculate financial inclusion, Albulescu and Goyeau index to calculate financial stability, and tobit model to analyze the impact of financial inclusion on financial stability. The results show higher income countries have higher financial inclusion and financial stability index than lower income countries. Financial inclusion only has positive significant effect to financial stability in high income countries. Lower and upper middle income countries have to increase availability of financial services to enhance financial inclusion. Moreover, lower and upper middle income countries have to increase financial development to enhance financial stability.
Co-Authors Lukytawati Anggraeni Sahara Sahara