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Regional And Accessibility Analysis Of The Banking System And Their Impacts Toward Regional Financial Inclusion In Indonesia

Author

Listed:
  • Irma Asyatun

    (Brawijaya University)

Abstract

Financial inclusion has been widely discussed in the global level. The increased engagement in discussion of financial inclusion is inseparable from the implementationof policy priorities which are seemingly leaning towards improving financial inclusionto tackle poverty and growing inequality in a country. This article seeks to identifywhether regional variables (income level, educational level, income inequality,population size and banking accessibility) are significant on influencing financialinclusion in Indonesia. This study proxied financial inclusion level by measuring thefinancial inclusion index using the method developed by Sarma in 2012. The researchis conducted for 3 years, between 2012-2015. Employing the panel data estimationmethod, the results indicate that income level, educational level, and bankingaccessibility possess significant impact on financial inclusion in regional Indonesia.

Suggested Citation

  • Irma Asyatun, 2018. "Regional And Accessibility Analysis Of The Banking System And Their Impacts Toward Regional Financial Inclusion In Indonesia," Journal of Islamic Monetary Economics and Finance, Bank Indonesia, vol. 4(2), pages 311-332, November.
    • Handle: RePEc:idn:jimfjn:v:4:y:2018:i:2g:p:311-332
    DOI: https://doi.org/10.21098/jimf.v4i2.1015
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    References listed on IDEAS

    as
    1. Mandira Sarma, 2008. "Index of Financial Inclusion," Finance Working Papers 22259, East Asian Bureau of Economic Research.
    2. World Bank, 2008. "Finance for All? Policies and Pitfalls in Expanding Access," World Bank Publications - Books, The World Bank Group, number 6905, April.
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    Cited by:

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    Keywords

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    JEL classification:

    • G10 - Financial Economics - - General Financial Markets - - - General (includes Measurement and Data)
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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