Keuangan Inklusif antar Provinsi di Indonesia dan Hubungannya dengan Ketimpangan Pendapatan

Malik Abdul Azis Siregar; Wiwiek Rindayati; Yeti Lis Purnamadewi

doi:10.22146/mgi.88252

Keuangan Inklusif antar Provinsi di Indonesia dan Hubungannya dengan Ketimpangan Pendapatan

https://doi.org/10.22146/mgi.88252

Malik Abdul Azis Siregar^(1*), Wiwiek Rindayati⁽²⁾, Yeti Lis Purnamadewi⁽³⁾

(1) Departement Ilmu Perencanaan Pembangunan Wilayah dan Perdesaan, Fakultas Ekonomi & Manajemen, IPB University
(2) Departemen Ilmu Ekonomi, Fakultas Ekonomi dan Manajemen, IPB University
(3) Departemen Ilmu Ekonomi, Fakultas Ekonomi dan Manajemen, IPB University
(*) Corresponding Author

Abstract

Abstrak. Keuangan inklusif merupakan sistem keuangan yang memberikan dukungan kepada masyarakat berpenghasilan rendah untuk dapat mengakses keuangan. Pada kenyataan, akses keuangan tidak dinikmati oleh semua lapisan masyarakat, seperti akses keuangan yang tidak merata, ketersediaan layanan dan infrastruktur yang tiduk mendukung. Hal inilah yang kemudian menjadi tantangan sekaligus untuk menjawab tujuan bagaimana mengukur indeks inklusi keuangan antar provinsi di Indonesia, menganalisis determinan inklusi keuangan dan menganalisis hubungan inklusi keuangan dan ketimpangan. Penelitian ini menggunakan analisis regresi Tobit, analisis tipologi klassen dan analisis kausalitas granger. Indeks inklusi keuangan antar provinsi di Indonesia berada pada kategori rendah, kecuali DKI Jakarta, Bali dan Kalimantan Selatan masuk dalam kategori sedang. Hasil estimasi determinan inklusi keuangan ditemukan bahwa pengangguran, internet, ponsel, laju pertumbuhan dan rasio jalan berpengaruh terhadap inklusi keuangan.

Abstract.Inclusive finance is a financial system that provides support for low-income people to be able to access finance. In reality, financial access is not enjoyed by all levels of society, such as unequal financial access, inadequate availability of services and infrastructure. This then becomes a challenge as well as to answer the objectives of how to measure the financial inclusion index between provinces in Indonesia, analyze the determinants of financial inclusion and analyze the relationship between financial inclusion and inequality. This research uses Tobit regression analysis, Klassen typology analysis and Granger causality analysis. The financial inclusion index between provinces in Indonesia is in the low category, except for DKI Jakarta, Bali and South Kalimantan which are in the medium category. The estimation results of the determinants of financial inclusion found that unemployment, internet, mobile phones, growth rate and road ratio have an influence on financial inclusion

Keywords

Financial Inclusion, Inequality, Granger Causality

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