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Digitalization and Access to Household Credit: Pre and Post COVID-19 Pandemic

Author

Listed:
  • Cita Puspita Sari

    (The Central Agency of Statistics for Bandar Lampung Municipality)

  • Eny Sulistyaningrum

    (Department of Economics, Faculty of Economics and Business, Universitas Gadjah Mada)

Abstract

This study examines the impact of digitalization on access to household credit during the National Economic Recovery Program. Data from the National Socioeconomic Survey (Survei Sosial Ekonomi Nasional/Susenas) and Village Potential Statistics (Potensi Desa/Podes) from 2019 (pre-pandemic) and 2021 (one year post-pandemic) are used in this research. Using the binomial logit model-fixed effect, this research found that digitalization has a significant impact on access to household credit, both before and during the COVID-19 pandemic. The majority of households with access to credit are headed by males living in rural areas, who are married, working, graduated from junior high school or above, and are 30-59 years old. In line with the national economic recovery program, the government can accelerate financial inclusion by increasing access to household credit to all levels of the society without gender discrimination through banking digitalization.

Suggested Citation

  • Cita Puspita Sari & Eny Sulistyaningrum, 2023. "Digitalization and Access to Household Credit: Pre and Post COVID-19 Pandemic," Gadjah Mada Economics Working Paper Series 202303002, Department of Economics, Faculty of Economics and Business, Universitas Gadjah Mada.
    • Handle: RePEc:gme:wpaper:202303002
    as

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    File URL: https://econworkingpaper.feb.ugm.ac.id/download/working_paper/202303002.pdf
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    References listed on IDEAS

    as
    1. Beirne, John & Fernandez, David (ed.), 2021. "Harnessing Digitalization for Sustainable Economic Development: Insights for Asia," ADBI Books, Asian Development Bank Institute, number 23, Décembre.
    2. Xu, Xiaoyan, 2020. "Trust and financial inclusion: A cross-country study," Finance Research Letters, Elsevier, vol. 35(C).
    3. J. Scott Long & Jeremy Freese, 2006. "Regression Models for Categorical Dependent Variables using Stata, 2nd Edition," Stata Press books, StataCorp LP, edition 2, number long2, March.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Digitalization; Credit Access; Financial Inclusion; Logit; Pandemic;
    All these keywords.

    JEL classification:

    • G5 - Financial Economics - - Household Finance
    • G2 - Financial Economics - - Financial Institutions and Services
    • O1 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit
    • O3 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights

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