Implementasi Metode Pengukuran Indeks Keuangan Inklusif Pada Sepuluh Bank Terbesar di Indonesia

Chaerani Nisa, Dewi Trirahayu, Murthada Sinuraya

Abstract


Abstract. This research aimed to see financial inclusion in the ten largest banks in Indonesia in 2017. To measure the index of financial inclusion we use an index that was proposed by Sarma (2010). Research methodology that is used in this research is descriptive quantitative. As a result, all those ten banks are in a medium category. Their index is ranging from 0,333 as the lowest value to 0,487 as the highest value. It also shows that in some cases, banks with higher asset also have better index score Implication from these finding is commercial banks must be more active in promoting financial inclusive so Indonesia’s financial inclusive score is increasing.  

 

Keywords: Banking; Index of Financial Inclusion, Financial Inclusion.

 

Abstrak. Penelitian ini bertujuan untuk melihat penerapan keuangan inklusi pada sepuluh bank dengan aset terbesar di Indonesia. Untuk penguukuran indeks keuangan inklusif, penelitian ini menggunakan metode yang diperkenalkan oleh Sarma (2010). Metode penelitian yang digunakan pada penelitian ini adalah metode metode kuantitatif deskriptif. Hasil penelitian menunjukkan kesepuluh ban berada pada kategori medium dengan nilai berkisar antara 0,333 hingga 0,487. Hasil lainnya juga menunjukkan, pada beberapa kasus bank dengan aset besar memiliki indeks keuangan inklusif yang lebih baik. Implikasi dari temuan tersebut adalah bank umum di Indonesia harus lebih aktif lagi dalam melaksanakan aktivitas keuangan inklusif supaya program keuangan inklusif di Indonesia meningkat.

 

Katakunci: Perbankan; Indeks Keuangan Inklusif; Keuangan Inklusif.


Keywords


Banking; Index of Financial Inclusion, Financial Inclusion

Full Text:

PDF

References


Ahamed, M. M. (2016). Does inclusive financial development matter for firms’ tax evasion? Evidence from developing countries. Economics Letters, 149, 15–19. https://doi.org/10.1016/j.econlet.2016.10.003

Ahamed, M. M., & Mallick, S. K. (2017). Is financial inclusion good for bank stability? International evidence. Journal of Economic Behavior & Organization. https://doi.org/10.1016/j.jebo.2017.07.027

Arun, T., & Kamath, R. (2015). Financial inclusion : Policies and practices. IIMB Management Review, 27(4), 267–287. https://doi.org/10.1016/j.iimb.2015.09.004

Bank Indonesia. (2014). Booklet Keuangan Inklusif. Jakarta: Bank Indonesia.

Beck, T., Demirguc-Kunt, A., & Honohan, P. (2009). Access to Financial Services: Measurement, Impact, and Policies. The World Bank Research Observer, 24(1), 119–145. https://doi.org/10.1093/wbro/lkn008

Cámara, N., & Tuesta, D. (2014). Measuring Financial Inclusion : A Multidimensional Index. BBVA Research Workin Paper No. 14/26, (September).

Chauvet, L., & Jacolin, L. (2017). Financial Inclusion, Bank Concentration, and Firm Performance. World Development, 97, 1–13. https://doi.org/10.1016/j.worlddev.2017.03.018

Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex Database 2017 Measuring Financial Inclusion and The Fintech Revolution. Washington DC: World Bank Group.

Dienillah, A. A., & Anggraeni, L. (2016). Dampak Inklusi Keuangan Terhadap Stabilitas Sistem Keuangan di Asia. Buletin Ekonomi Moneter Dan Perbankan, 18(4), 409–430.

Dienillah, A. A., & Anggraeni, L. (2017). Impact of Financial Inclusion on Financial Stability Based on Income Group Countries. Bulletin of Monetary Economics and Banking, 20(4), 1–14.

Kabakova, O., & Plaksenkov, E. (2018). Analysis of factors affecting financial inclusion : Ecosystem view. Journal of Business Research, 89(June 2017), 198–205. https://doi.org/10.1016/j.jbusres.2018.01.066

Neaime, S., & Gaysset, I. (2018). Financial inclusion and stability in MENA : Evidence from poverty. Finance Research Letters, 24(September 2017), 230–237. https://doi.org/10.1016/j.frl.2017.09.007

Otoritas Jasa Keuangan. (2018). Laku Pandai Sahabat Masyarakat. Retrieved June 7, 2018, from https://www.ojk.go.id/id/Pages/Laku-Pandai.aspx

Park, C., & Mercado, R. V. (2015). Financial Inclusion , Poverty , and Income Inequality in Developing Asia. ADBEconomics Working Paper Series, (426).

Sarma, M. (2010). Index of Financial Inclusion. Economic Analysis, (98).


Refbacks

  • There are currently no refbacks.


Jurnal Inspirasi Bisnis dan Manajemen is published by Lembaga Penelitian Universitas Swadaya Gunung Jati. This work is licensed under a Creative Commons Attribution-Sharealike 4.0.

View My Stats