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Transisi Demografi dan Stabilitas Sistem Keuangan: Studi Kasus Indonesia dan Jepang

Author

Listed:
  • Kiki Nindya Asih

    (Bank Indonesia)

  • Amalia Insan Kamil

    (Bank Indonesia)

  • Danny Hermawan A

    (Bank Indonesia)

  • Sri Noerhidajati

    (Bank Indonesia)

Abstract

Dalam penelitian ini, dengan menggunakan metode regresi dan kalkulasi Economic Support Ratio, kami menemukan bahwa bonus demografi (demographic dividend) Indonesia diproyeksi akan berakhir pada tahun 2025. Pada periode tersebut, kebutuhan pembiayaan sektor rumah tangga akan didominasi oleh kelompok usia angkatan kerja muda, yakni 25-29 tahun. Fenomena tersebut merupakan potensi sekaligus sumber risiko sistemis baru bagi Stabilitas Sistem Keuangan (SSK). Dalam konteks ini, jumlah konsumen efektif tumbuh lebih cepat dibandingkan dengan jumlah produsen efektif. Sebagai contoh, Jepang telah melewati era bonus demografi sejak tahun 1996. Kejadian ini memberikan pelajaran agar pemangku kepentingan (stakeholder) dalam sistem keuangan dapat mempersiapkan diri untuk menghadapi dampak transisi demografi, antara lain, dengan inovasi produk layanan keuangan dan infrastruktur serta berbagai pengaturan dari otoritas terkait.

Suggested Citation

  • Kiki Nindya Asih & Amalia Insan Kamil & Danny Hermawan A & Sri Noerhidajati, 2018. "Transisi Demografi dan Stabilitas Sistem Keuangan: Studi Kasus Indonesia dan Jepang," Working Papers WP/7/2018, Bank Indonesia.
    • Handle: RePEc:idn:wpaper:wp72018
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    More about this item

    Keywords

    bonus demografi; stabilitas sistem keuangan; Indonesia;
    All these keywords.

    JEL classification:

    • J11 - Labor and Demographic Economics - - Demographic Economics - - - Demographic Trends, Macroeconomic Effects, and Forecasts
    • J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination

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