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The Implementation of Financial Inclusion for Indonesian Migrant Workers Post-placement (Best Practice of Permanent Income Life Cycle Hypothesis)

In: Macroeconomic Risk and Growth in the Southeast Asian Countries: Insight from Indonesia

Author

Listed:
  • Nurul Istiqomah
  • Izza Mafruhah

Abstract

This study aims to analyze factors that influence the utilization of remittances by Indonesia Migrant Workers (TKI) and to analyze the role of stakeholders in the implementation of financial inclusion. This research used a mixed method, regression analysis, and Matrix of Alliances and Conflicts: Tactics, Objectives, and Recommendations (MACTOR). This study found that the factors that influence savings are training variables, education, and a dummy variable for widow status. The results when remittance as dependent show that the regional origin, dummy variable for receiving remittances, for training, and for determining the use of remittances by TKI themselves had an effect. The implementation of financial inclusion is needed in the economic development of TKI, and the main actors are migrant workers, assistants, economists, and Bapermas. Actors who have the potential for ambivalence are workers who do not participate in mentoring and do not join BUMDes.

Suggested Citation

  • Nurul Istiqomah & Izza Mafruhah, 2023. "The Implementation of Financial Inclusion for Indonesian Migrant Workers Post-placement (Best Practice of Permanent Income Life Cycle Hypothesis)," International Symposia in Economic Theory and Econometrics, in: Macroeconomic Risk and Growth in the Southeast Asian Countries: Insight from Indonesia, volume 33, pages 107-125, Emerald Group Publishing Limited.
    • Handle: RePEc:eme:isetez:s1571-03862023000033a008
    DOI: 10.1108/S1571-03862023000033A008
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    More about this item

    Keywords

    Migrant workers; remittance; financial inclusion; actor; TKI; MACTOR; G3; G2; J6;
    All these keywords.

    JEL classification:

    • G3 - Financial Economics - - Corporate Finance and Governance
    • G2 - Financial Economics - - Financial Institutions and Services
    • J6 - Labor and Demographic Economics - - Mobility, Unemployment, Vacancies, and Immigrant Workers

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