Analisis Empiris Dampak Inklusi Keuangan terhadap Pengurangan Ketimpangan Ekonomi di Kawasan Asia Tenggara

Loso Judijanto

doi:10.58812/jakws.v4i01.1946

Penulis

Loso Judijanto IPOSS Jakarta, Indonesia

DOI:

https://doi.org/10.58812/jakws.v4i01.1946

Kata Kunci:

Inklusi Keuangan, Ketimpangan Ekonomi, Asia Tenggara, Keuangan Mikro, Layanan Keuangan Digital

Abstrak

Makalah ini membahas bagaimana inklusi keuangan berkontribusi dalam mengurangi ketimpangan ekonomi di kawasan Asia Tenggara. Studi ini menggunakan analisis kutipan dari 20 artikel yang diulas oleh rekan sejawat yang diindeks ke database SCOPUS untuk membahas tren utama, temuan, dan tema yang muncul dari literatur mengenai inklusi keuangan dan potensi penggunaannya dalam mengatasi kesenjangan pendapatan. Kajian ini mengidentifikasi bahwa inklusi keuangan, yang dimanifestasikan dalam bentuk akses ke perbankan, keuangan mikro, mobile banking, dan program-program literasi keuangan, sangat membantu dalam pengentasan kemiskinan dan pemerataan ekonomi. Meskipun layanan keuangan digital telah mencapai kemajuan luar biasa dalam meningkatkan akses keuangan, masih ada tantangan yang dihadapi terkait daerah pedesaan dan terpencil, kesenjangan gender, dan literasi digital. Studi ini menyimpulkan bahwa kebijakan pemerintah dan dukungan internasional diperlukan untuk meningkatkan inklusi keuangan guna menjamin hasil ekonomi yang lebih luas dan merata. Studi ini menyimpulkan bahwa meskipun inklusi keuangan telah muncul sebagai alat yang efektif dalam mengurangi ketidaksetaraan, upaya-upaya di luar bidang ini diperlukan untuk mengatasi kesenjangan yang masih ada dalam hal akses dan memberdayakan kelompok-kelompok yang terpinggirkan.

Referensi

Alexander, A., & Gitaharie, B. Y. (2024). Taxation and Income Inequality in ASEAN Countries. ETIKONOMI, 23(2), 397–414.

Alonge, E. O., Dudu, O. F., & Alao, O. B. (2024). The impact of digital transformation on financial reporting and accountability in emerging markets. International Journal of Science and Technology Research Archive, 7(2), 25–49.

Amirtha, R. (2024). Financial Literacy for the Future: Preparing Individuals for Economic Success. Rrrj, 3(2), 381–396.

Ashraf, A., Billah, M., Ayoob, M., & Zulfiqar, N. (2024). Analyzing the Impact of Microfinance Initiatives on Poverty Alleviation and Economic Development. Review of Applied Management and Social Sciences, 7(4), 431–448.

Bakar, A., Pratiwi, W., Marlina, E., Rusnaini, S., Jesika, S., & Albadry, S. A. (2024). Financial Inclusion and Rural Development: Empowering Micro-entrepreneurs in Lubuk Beringin, Bungo Regency, Jambi, Indonesia. Indonesian Community Empowerment Journal, 4(2), 196–210.

Behera, B. K. (2024). Understanding Financial Inclusion and Its Socio-economic Determinants: Evidence from India. Review of Development and Change, 29(2), 198–219.

Biru, A., Molla, A., Ferraro, S., & Navon, Y. (2024). The impact of financial inclusion initiatives: Evidence from meta‐analysis. Journal of International Development, 36(8), 2926–2958.

Chettri, P., Mothey, A., & Chhetri, M. (2024). An Empirical Analysis Of Financial Literacy And Its Impact On Financial Wellbeing. Educational Administration: Theory and Practice, 30(3), 2194–2203.

Damayanthi, N. M. M. (n.d.). FINANCIAL INCLUSION: DOES IT PLAY AN IMPORTANT ROLE IN A COUNTRY? REVIEW OF THE LITERATURE.

Dawood, T. C., Pratama, H., Masbar, R., & Effendi, R. (2019). Does financial inclusion alleviate household poverty? Empirical evidence from Indonesia. Economics & Sociology, 12(2), 235–252.

Demirgüç-Kunt, A., & Singer, D. (2017). Financial inclusion and inclusive growth: A review of recent empirical evidence. World Bank Policy Research Working Paper, 8040.

Han, F. G. L., & Zhang, K. J. Z. S. (2017). The Impact of Financial Inclusion on Household Incomes in China: An Empirical Study.

Kampani, R. D. (2024). The Role of Fintech in Enhancing Financial Inclusion. Available at SSRN 5011604.

Karimi, K., & Amar, S. (2024). The Nexus of Income Inequality, Growth, and Environmental Degradation in ASEAN Economies. International Journal of Sustainable Development & Planning, 19(6).

Kuznets, S. (2019). Economic growth and income inequality. In The gap between rich and poor (pp. 25–37). Routledge.

Mittal, P., & Singh, R. I. (2024). Changing Landscape of Financial Inclusion Through FinTech: A Systematic Literature Review. Paradigm, 09718907241286957.

Nazarova, K., Nezhyva, M., Kucher, A., Hotsuliak, V., Melnyk, T., & Zaremba, O. (2021). Environmental audit in the sustainable development of green economy. European Journal of Sustainable Development, 10(3), 273.

Ningrum, E. P., Sumarno, M., Nursyamsi, S. E., & Siregar, N. (2024). Faktor Terkait Kesenjangan Ekonomi dan Kesejahteraan. PRIVE: Jurnal Riset Akuntansi Dan Keuangan, 7(2), 116–126.

Saipudin, S. (2024). The Relationship between Income Inequality and Economic Growth. The Journal of Academic Science, 1(4), 439–450.

Shair, W., Jabeen, F., Zafar, M. B., & Hassan, R. U. (2024). Assessing the Impact of Digitalization and Digital Payments in Advancing Financial Inclusion. IRASD Journal of Economics, 6(3), 776–785.

Singh, S., Raj, R., Dash, B. M., Kumar, V., Paliwal, M., & Chauhan, S. (2024). Access to finance and its impact on operational efficiency of MSMEs: mediating role of entrepreneurial personality and self-efficacy. Journal of Small Business and Enterprise Development.

Tabassum, T., & Ali, M. M. (2024). Financial Literacy in the Age of Digital Finance: A Global Perspective. Academic Journal on Business Administration, Innovation & Sustainability, 4(3), 30–36.

Tarigan, E. S. (2023). Digital Financial Access as a Solution to Overcome Geographical Constraints. Available at SSRN 4617206.

Tariq, A., & Raza, H. M. A. (2024). Nexus between Financial Inclusion and Poverty: Does the Country’s Education matter? Evidence from Lower-Middle-Income Countries. Bulletin of Business and Economics (BBE), 13(3), 529–538.

Tweneboah, G., & Nsiah, A. Y. (2024). Financial inclusion, financial stability, and poverty reduction in Africa. Economic Notes, 53(3), e70000.

Харахаш, О., Іванченкова, Л., & Ольшевська, О. (2024). Financial literacy as a determinant of economic behavior of the population: empirical analysis and development prospects. Food Industry Economics, 16(1), 68–73.

Analisis Empiris Dampak Inklusi Keuangan terhadap Pengurangan Ketimpangan Ekonomi di Kawasan Asia Tenggara

Penulis

DOI:

Kata Kunci:

Abstrak

Referensi

Unduhan

Diterbitkan

Cara Mengutip

Terbitan

Bagian

Lisensi

Template Paper

ISSN

Journal Policy

Indexing

Kata Kunci

Visitor Counter

Supported

Tools

CC Licence