Pengaruh Inklusi Keuangan dan Bank Syariah terhadap Kemiskinan di Indonesia (original) (raw)
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Financial inclusion has an important role on the Human Development Index (HDI). This study aims to determine the value of Sharia Financial Inclusion from the value of each that dimension buldier and that effect on the HDI. The calculation uses the Index of Financial Inclusion method (Sarma and Pais, 2012) and panel data regression analysis to find that effect on HDI where the independent variable are the accessibility, availability and usage dimension and the dependent variable is Human Development Index (HDI). The period that used in this study is 2015-2019. The data used is secondary data from Otoritas Jasa Keuangan (OJK) and Badan Pusat Statistik (BPS). The result of this study show that each of dimensions buldier of Financial Inclusion have a low value. Simultaneously the variable accessibility dimension, availability dimension and usage dimension have an effect on Human Development Index. Meanwhile partially, the accessibility dimension has not an effect on HDI, availability dimension has a negative effect on HDI and usage dimension has a positive effect on HDI.
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Tujuan penelitian ini adalah untuk menganalisis pengaruh Anggaran Pendapatan dan Belanja Negara (APBN), Pembiayaan syariah dan Zakat terhadap pengentasan Kemiskinan. Metode pengumpulan data dilakukan dengan menggunakan data sekunder yang didapatkan dari website resmi seperti www.kemenkeu.go.id, www.baznas.go.id, www.zakat.com. Kemudian data yang didapat berupa data panel di uji menggunakan regresi linear berganda melalui aplikasi statistik E-VIEWS 9 dengan mengestimasi semua variabel independen terhadap variabel dependen. Hasil penelitian menunjukkan bahwa APBN berpengaruh positif dan tidak signifikan terhadap kemiskinan, pembiayaan syariah berpengaruh negatif dan tidak signifikan dan zakat berpengaruh negatif dan signifikan terhadap kemiskinan.
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Pengaruh Penerapan Inklusi Keuangan Terhadap Pertumbuhan Ekonomi di Indonesia
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The creation of financial system stability through the application of financial inclusion is a national development strategy to encourage economic growth. Financial inclusion consists of three indices, namely availability, access, and usage. The purpose of this research is to determine the effect of the application of financial inclusion on economic growth in Indonesia. The method in this study uses Partial Least Square (PLS) analysis because the independent variable (financial inclusion index) is a latent variable that has many indicators. The results of the analysis show that of the three financial inclusion indices, there are two indices that influence economic growth, namely availability with indicators of ATM machine availability and access with indicators of account ownership, debit cards, and emoney cards.
Inklusi Keuangan Dan Penurunan Kemiskinan: Studi Penyaluran Bantuan Sosial Non Tunai
Sosio informa, 2019
Inklusi keuangan merupakan seluruh upaya untuk meningkatkan akses masyarakat terhadap jasa-jasa keuangan dengan cara menghilangkan segala bentuk hambatan baik yang bersifat harga maupun non harga. Penyediaan akses layanan dan jasa-jasa sektor keuangan yang terjangkau bagi masyarakat miskin secara langsung membuat kelompok masyarakat miskin ikut berpartisipasi dan menjadi agen pertumbuhan ekonomi sehingga dapat mengurangi tingkat kemiskinan. Penyaluran bantuan sosial non tunai dari pemerintah diharapkan dapat meningkatkan inklusi keuangan. Faktanya, inklusivitas keuangan yang dicapai pada penyaluran bantuan sosial non tunai hanya pada akses jasa keuangan belum pada penggunaan jasa keuangan. Penyaluran bantuan sosial non tunai diharapkan membiasakan masyarakat untuk menabung ternyata hanya sebatas pencairan bantuan sosial, mekanisme menabung tidak serta merta dilakukan oleh penerima manfaat. Inklusi keuangan pada bantuan sosial non untuk masyarakat miskin adalah inklusivitas keuangan semu dan tidak berdampak pada penanggulangan kemiskinan. Penanggulangan kemiskinan dengan indikator penurunan angka kemiskinan dan pemenuhan kebutuhan dasar merupakan penurunan angka kemiskinan semu, karena dipenuhi dengan bantuan sosial non tunai bukan karena peningkatan pendapatan riil masyarakat.