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

Full Text:

PDF

References


Akenbor, C.O., 2015, “Financial Inclusion And Poverty Trap In Nigeria”, Mustang Journal Of Accounting And Finance, Volume 7, Spring, 2015: 149-159.

Basuki, A.T., 2014, Bahan Ajar Ekonometrika

Basuki, A.T dan Yuliadi, I., 2015, Elektronik Data Processing (SPSS dan Eviews 7), Danisa Media, Yogyakarta.

______________________________, Ekonometrika Teori dan Aplikasi, Mitra Pustaka Nurani (MATAN), Yogyakarta.

Hermanto dan Saptutyningsih. E, 2002, Processing SPSS 10.0 dan Eviews 3.0, Unit Penerbit Fakultas Ekonomi Universitas Muhammadiyah Yogyakarta, Yogyakarta.

Irmawati dan Setyani, 2013, “Model Inklusi Keuangan Pada UMKM Berbasis Pedesaan”, Jejak Journal of Economics and Policy 6 (2) (2013): 103-213.

Migap, J.P., dkk., 2015, “Financial Inclusion For Inclusive Growth: The Nigerian Perspective”, International Journal of Information Technology and Business Management, Vol.37 No.1, 29 Mei.

Sanjaya, I.M., 2014, “Inklusi Keuangan Dan Pertumbuhan Inklusif Sebagai Strategi Pengentasan Kemiskinan Di Indonesia”, Tesis, Institut Pertanian Bogor.

Sarma, M., 2012, ” Index of Financial Inclusion – A Measure of Financial Sector Inclusiveness”, Berlin Working Paper On Money, Finance, Trade and development, Working Paper No. 07/2012.

Setiawan, M.A., 2015, “Analisis Keterkaitan Inklusi Keuangan Terhadap Perilaku Keuangan Personal Masyarakat Di Wilayah Kota Dan Kabupaten Provinsi Jawa Timur”.

Steelyana, E., 2013, “Perempuan dan Perbankan: Sebuah Tinjauan Tentang Peran Inklusi Keuangan Terhadap Pengusaha UMKM Perempuan Di Indonesia”, Journal The Winners, Vol. 14 No. 2, September 2013: 95-103.

Ummah, B.B., 2015, “Analisis Inklusi Keuangan dan Pemerataan Pendapatan di Indonesia”, Tesis, Institut Pertanian Bogor.

Winarno, W.W., 2011, Analisis Ekonometrika dan Statistika dengan Eviews, Edisi 3, UPP STIM YKPN, Yogyakarta.




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

Article Metrics

Abstract view : 79 times
PDF - 71 times

Refbacks

  • There are currently no refbacks.





 

Office:
Redaksi JESP UMY, Gedung E2 Lantai 2, Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Yogyakarta
Jalan Brawijaya, Tamantirto, Kasihan, Bantul, Daerah Istimewa Yogyakarta 55183
Telp: (0274) 387656 ext.184
Fax: (0274) 387646
Email: jesp@umy.ac.id


Jurnal Ekonomi & Studi Pembangunan (JESP) is licensed under Creative Commons Attribution 4.0 International License.