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Full-Text Articles in Social and Behavioral Sciences
Desa Digital Dan Tingkat Literasi Keuangan Aparatur Desa: Studi Kasus Kabupaten Aceh Tamiang, Fitriansyah Fitriansyah, Chaikal Nuryakin
Desa Digital Dan Tingkat Literasi Keuangan Aparatur Desa: Studi Kasus Kabupaten Aceh Tamiang, Fitriansyah Fitriansyah, Chaikal Nuryakin
Jurnal Ekonomi dan Pembangunan Indonesia
Since 2014, to reach the poor for increasing financial inclusion, the government of Indonesia has been digitizing social benefits. Recently, local government has also been pushed to build a “Digital Village.” We argue that for such a program to succeed, a good level of financial and digital literacy of the village officials is necessary. We surveyed the village officials in 60 out of 215 Aceh Tamiang to examine their financial, digital, and DFS literacy. We find that the literacy of the village officials, on average, is low. The factors contributing to low financial literacy are age, level of education, and …
Inklusi Keuangan Melalui Program Layanan Keuangan Digital Dan Laku Pandai, Prani Sastiono, Chaikal Nuryakin
Inklusi Keuangan Melalui Program Layanan Keuangan Digital Dan Laku Pandai, Prani Sastiono, Chaikal Nuryakin
Jurnal Ekonomi dan Pembangunan Indonesia
This study aims to analyse the inclusion rate of two programs, namely Layanan Keuangan Digital (LKD) and Laku Pandai. We found that inclusion rate of LKD program and Laku Pandai program are 28% and 43% respectively when we define inclusion as use of service (access inclusion). However, the rate falls to 5% and 25% respectively when we define inclusion as account ownership. Laku Pandai program has advantages in increasing financial access of people who live in rural area, have low education, and generate low income. We also found that knowledge/certainty in transaction costs (for LKD) and size of access …
Penguatan Inklusi Keuangan Pada Industri Kreatif Berskala Mikro Kecil Di Sumatra Barat, Widya Fitriana, Ernan Rustiadi, Akhmad Fauzi, Lukytawati Anggraeni
Penguatan Inklusi Keuangan Pada Industri Kreatif Berskala Mikro Kecil Di Sumatra Barat, Widya Fitriana, Ernan Rustiadi, Akhmad Fauzi, Lukytawati Anggraeni
Jurnal Ekonomi dan Pembangunan Indonesia
Creative industry is a strategic sector of national development. Lack of capital is a major obstacle to its development. This study analyzes financial inclusion of micro small creative industries (MSCI) relating to access and loan use. Both logit and Tobit models were employed for 1,367 MSCI from micro small survey data 2014. This study proved that women entrepreneurs who are less educated, limited asset and located in rural area tend to have greater constraints in financial inclusion. This study recommend the importance of financial education for women entrepreneurs in rural areas and expansion of internet uses and conduct digital finance.