ANALISIS KEUANGAN INKLUSIF: STUDI KASUS DAERAH ISTIMEWA YOGYAKARTA

Atikah Atikah, Ahmad Ma'ruf

Abstract


This study aims to analyze of financial inclusion in special region of Yogyakarta. Financial inclusion is a means to promote financial sector especially for easy banking services and financial access for people. The level of financial inclusion each district in special region of Yogyakarta will be measured by using the index of financial inclusion. Factors that affecting of financial inclusion that is GDRP, Literacy and Road Ratio, that will be analyzed using a panel regression with cross section of 5 districts/cities from 2004-2013. The results show that the level of financial inclusion in special region of yogyakarta is classified as low, indicated by the value of financial inclusion index less than 0.3. Almost all districts/cities in special region of Yogyakarta have low level of financial inclusion, except Yogyakarta city. GDRP positively affect the level of financial inclusion in special region of Yogyakarta. While the Literacy rate and the Road Ratio negative affect of financial inclusion in special region of Yogyakarta.

Keywords


financial inclusion, GRDP, Literacy, road ratio, data panels

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DOI: https://doi.org/10.18196/jesp.17.1.3496

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