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Perception of beneficiaries towards adoption of e-money in the distribution of social assistance in Indonesia

Author

Listed:
  • Sartika Djamaluddin
  • Achmad Nizar Hidayanto
  • Sita Wardhani

    (Faculty of Economics and Business, Universitas Indonesia, Jakarta, Indonesia.
    Faculty of Economics and Business, Universitas Indonesia, Jakarta, Indonesia.
    Faculty of Economics and Business, Universitas Indonesia, Jakarta, Indonesia.)

Abstract

Wide access to formal finance for poor households through distribution of social assistance via electronic money (E-money) is believed to accelerate eradication of poverty. We would like to find out the beneficiaries response to this payment method. This aims of this study is to investigate the perception of beneficiaries towards distribution of social assistance through e-money. We surveyed 230 beneficiaries in Jakarta, Cirebon and Pasuruan. The result of research indicates that the perception of PKH beneficiaries related to the cost, benefits and security of e-money is relatively good. However, from the aspect of ease of use and the respondents’ desire to use e-money, the perception is quite low.

Suggested Citation

  • Sartika Djamaluddin & Achmad Nizar Hidayanto & Sita Wardhani, 2016. "Perception of beneficiaries towards adoption of e-money in the distribution of social assistance in Indonesia," Economic Journal of Emerging Markets, Universitas Islam Indonesia, vol. 8(1), pages 13-24, April.
    • Handle: RePEc:uii:journl:v:8:y:2016:i:1:p:13-24
    DOI: 10.20885/ejem.vol8.iss1.art2
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    More about this item

    Keywords

    perception; financial inclusion; adoption of e-money; social assistance;
    All these keywords.

    JEL classification:

    • G29 - Financial Economics - - Financial Institutions and Services - - - Other
    • I30 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General

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