scholarly journals Impact of Financial Inclusion for Welfare : Analyze to Household Level

2019 ◽  
Vol 1 (2) ◽  
pp. 90
Author(s):  
Multazam Mansyur Addury
Keyword(s):  
Household Income ◽  
Household Consumption ◽  
Financial Inclusion ◽  
Easy Access ◽  
Consumption Expenditure ◽  
Access To Finance ◽  
Household Level ◽  
Consumption Expenditures ◽  
Panel Data Regression ◽  
Data Regression

One indicator of poverty in a country is still low access to financial facilities to the community. Therefore, a program of massive financial inclusion is currently being campaigned. Financial inclusion is a program that provides easy access to finance (savings and financing) to the community so that it can improve welfare. This study analyzes the part of financial inclusion, namely the influence of the amount of credit and deposits/investments on household income, household consumption expenditure, and household living facilities. The data is taken from the Indonesian Family Life Survey in the period 2000, 2007 and 2014. This research uses panel data regression analysis. The results of the study found that (a) there is a significant effect of the amount of credit on household income, (b) there is a significant influence on the amount of credit and savings/investments on household consumption expenditures, and (c) there is no significant effect on the amount of credit and savings or investment household residence facilities.

scholarly journals FINANCIAL DEVELOPMENT DAN PENGARUHNYA PADA PENGELUARAN KONSUMSI RUMAH TANGGA DI WILAYAH INDONESIA BAGIAN TIMUR

2018 ◽  
Author(s):  
Fahrul Riza
Keyword(s):  
Financial Development ◽  
Household Consumption ◽  
Consumption Expenditure ◽  
Eastern Indonesia ◽  
Household Sector ◽  
Consumer Loans ◽  
Panel Data Regression ◽  
Expenditure Data ◽  
Data Regression ◽  
Negative Effect

<p><em>This paper empirically investigates the relationship between financial development and household consumption expenditure</em><em> at Eastern Indonesia Region.</em><em> Panel data regression models are applied to consumption expenditure data as dependent variables, savings and consumer loans  from the household sector as independent variables. </em><em>T</em><em>he results of this research suggest that financial development in</em><em> Eastern Indonesia Region </em><em>have a significant  impact on </em><em>household consumption expenditure. Savings have a significant positive effect on increasing household consumption expenditure, meanwhile consumer loans have a significant negative effect on increasing household consumption expenditure.</em></p><p><strong><em>Keywords</em></strong><strong><em>: </em></strong><em>household sector, saving, loans, consumption expenditure</em></p>

scholarly journals The Impact of Covid-19 on The Effect Multiplier on The Household Consumption Function in Jakarta

2021 ◽  
Vol 3 (2) ◽  
Author(s):  
Fahrul Riza ◽  
Michael Christianto Leonardo
Keyword(s):  
National Income ◽  
Household Consumption ◽  
Permanent Income ◽  
Annual Data ◽  
Consumption Expenditure ◽  
Permanent Income Hypothesis ◽  
Consumption Function ◽  
Short Term ◽  
Consumption Expenditures ◽  
The Impact

The purpose of this study is to examine the effect of a decrease in aggregate income, due to activity restrictions during the Covid-19 pandemic, on household consumption expenditure in Jakarta. The research model is based on the Absolute and Permanent income hypothesis, to see the long-term and short-term effects of changes in income on consumption expenditure. The research method is quantitative by using annual data on consumption expenditure and income at current prices for the period 2003 to 2020. The analysis model uses OLS and ECM regression. The results showed that income has a significant effect on the equation of the short-run and long-run consumption function. The short-term income crisis has an impact on the increase in the multiplier coefficient. In the short term there will also be an adjustment in consumption expenditures, according to what is postulated in the permanent income hypothesis. This indicates that in the short term expansionary fiscal policy is effective in increasing aggregate household consumption expenditure. Further research suggests adding the inflation variable as a proxy for economic conditions. Keywords: Absolute Income Hypothesis, Permanent Income Hypothesis, Household Consumption Expenditures, National Income, Multiplier.

scholarly journals Analysis of the Viability of Fiscal and Monetary Policies on the Recovery of Household Consumption Expenditures Because of the Covid-19 Pandemic

2021 ◽  
Vol 3 (1) ◽  
Author(s):  
Fahrul Riza ◽  
William Wiriyanata
Keyword(s):  
Monetary Policy ◽  
Interest Rates ◽  
Government Spending ◽  
Positive Impact ◽  
Household Consumption ◽  
Series Data ◽  
Consumption Expenditure ◽  
Consumption Expenditures ◽  
Long Run ◽  
The Government

The Covid-19 outbreak disrupted economic activity in almost all countries. The Indonesian economy entered a recession phase as a result of the continued contraction in economic growth in the second and third quarters of 2020. According to Keynesian economic theory, the combination of fiscal policy and monetary policy was more effective in recovering the economy from the crisis, this study aims to measure the effect of government spending, money supply, inflation and interest rates on aggregate household consumption expenditure. This study used a quantitative method, using monthly time series data from January 2015 to December 2020. The data were analyzed using the Vector Error Correction Model (VECM). The results show that government spending has a negative impact on household aggregate expenditure in the long run meanwhile interest rate has a positive impact on household consumption expenditure. Inflation do not affect aggregate household consumption expenditure, both in the short and long term. The results of the analysis are useful for evaluating the policies taken by the government to overcome the economic crisis due to the spread of the Covid-19 outbreak. The government increases aggregate expenditure to cover the decline in household aggregate consumption expenditure due to a decrease in household real income. Then expansionary monetary policy in the long run will increase aggregate demand. Therefore, the Ministry of Finance together with Bank Indonesia needs to design other policies that will have a positive impact on economic recovery in the short term. This study has not included other macro indicators that affect household consumption expenditures such as unemployment, taxes and the household marginal propensity to saving (MPS). Keywords: Household Aggregate Expenditure; Government Expenditure; Inflation; VECM

scholarly journals PENINGKATAN TARIF CUKAI ROKOK DAN DAMPAKNYA TERHADAP PEREKONOMIAN DAN PENDAPATAN SEKTORAL JAWA TENGAH

KINERJA ◽  
2017 ◽  
Vol 19 (2) ◽  
pp. 99
Author(s):  
Fatoni Ashar ◽  
Firmansyah ,
Keyword(s):  
Panel Data ◽  
Household Income ◽  
Fixed Effect Model ◽  
Cigarette Consumption ◽  
Input Output ◽  
Output Analysis ◽  
Central Java ◽  
Effect Model ◽  
Panel Data Regression ◽  
Data Regression

This study analyzes the effect of excise of cigarette price changes to the consumption of cigarette and Central Java’s economy and household income. In the first stage, with employing panel data regression model,i.e. fixed effect model (FEM) which include 35 regencies/cities in Central Java Province during 2009-2013, the study examines the effect of cigarette excise to cigarette consumption. On the next stage, the study simulatesthe impact of cigarette consumption shock to the Central Java’s sectoral economy and household income using the Central Java 2013 Input-Output table. The findings indicate that the cigarette excise has a tradeoff effect tohousehold’s cigarette consumption. The increase of cigarette excise reduces cigarette consumption, and next, reduces output and sectoral household income. The cigarettes industries suffered the highest impact of thedecrease of the cigarette consumption, followed by other sectors which is has a high link to cigarette industries such as agricultures and tobacco sectors.Keywords: cigarette, excise, panel data regression, input-output analysis

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI PENGELUARAN KONSUMSI ROKOK PADA RUMAH TANGGA MISKIN DI PROVINSI ACEH

2017 ◽  
Vol 3 (2) ◽  
pp. 117-133
Author(s):  
Haifa Sari ◽  
Sofyan Syahnur ◽  
Chenny Seftarita
Keyword(s):  
Household Income ◽  
Secondary Data ◽  
Least Square ◽  
Cigarette Consumption ◽  
Consumption Expenditure ◽  
Education Expenditure ◽  
Ordinary Least Square ◽  
Consumption Expenditures ◽  
Food Expenditures ◽  
Poor Households

This research aims to determine the factors that affect cigarette consumption expenditure on poor households as well as to know the pattern of t cigarette consumption expenditure of Aceh’s poor households in 2010 and 2015. The independent variables used are the price of cigarettes, household income, number of adult family members adult, food without cigarettes cunsumption, education expenditure and health expense. The method used is OLS (Ordinary Least Square) using secondary data that Susenas in March 2010 and 2015. The results of this study are the variables household income and food expenditures without cigarettes affecting cigarette consumption expenditure of Aceh’s poor households in 2010. In year 2015 there are two additional variables education expenditures and health expense that affect cigarette consumption expenditures in poor households. Suggested for further research should be able to enter the psicology characteristic variables in poor households with indept study.Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi pengeluaran konsumsi rokok pada rumah tangga miskin serta untuk mengetahui pola pengeluaran konsumsi rokok pada rumah tangga miskin di Aceh tahun 2010 dan 2015. Variabel bebas yang digunakan adalah harga rokok, pendapatan rumah tangga, jumlah anggota rumah tangga dewasa, pengeluaran makanan tanpa rokok, pengeluaran pendidikan dan pengeluaran kesehatan. Metode penelitian yang digunakan adalah OLS (Ordinary Least Square) dengan menggunakan data sekunder yaitu Susenas bulan maret tahun 2010 dan 2015. Hasil penelitian ini adalah variabel pendapatan rumah tangga dan pengeluaran makanan tanpa rokok mempengaruhi pengeluaran konsumsi rokok pada rumah tangga miskin di Aceh tahun 2010. Di tahun 2015 ada penambahan variabel, yaitu pengeluaran pendidikan dan pengeluaran kesehatan yang berpengaruh terhadap pengeluaran konsumsi rokok pada rumah tangga miskin. Disarankan untuk penelitian selanjutnya sebaiknya dapat memasukkan variabel karakteristik variabel karakteristik psikologi pada rumah tangga miskin dengan penelitian yang bersifat mikro (indept study).

The Effect of Penetration, Availability, and Usage on Bank Profit

2021 ◽  
Vol 5 (1) ◽  
pp. 134-140
Author(s):  
Rizky Wulan Suci ◽  
Brady Rikumahu
Keyword(s):  
Financial Services ◽  
Fixed Effects ◽  
Large Scale ◽  
Quantitative Methods ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Easy Access ◽  
Panel Data Regression ◽  
Bank Profits

National banking profit growth has been fairly good, seen from the results of the third quarter of 2017, large-scale banks that dominate the market have seen a significant increase. The increase in profit was due to the ability of banks to reduce costs and reduce the provision for bad loans. Financial inclusion, namely efforts to provide easy access, availability, and use of the formal financial system for all members of the economy without social exclusion. Financial inclusion has 3 indicators, namely penetration, availability, and usage. This study aims to determine the effect of penetration, availability, and usage on bank profits at 10 conventional commercial banks listed on the IDX. The independent variables are penetration, availability, and usage. The dependent variable is bank profit. This research uses quantitative methods and the purposive sampling technique. The author uses descriptive analysis and panel data regression analysis using fixed effects. The results showed that penetration, availability, and usage did not have a significant positive effect on bank profits. Banking companies should provide more effective financial services so that they benefit customers and attract investors.

scholarly journals ANALISIS PENGARUH INKLUSI KEUANGAN TERHADAP STABILITAS SISTEM KEUANGAN DI NEGARA BERKEMBANG KAWASAN ASIA TENGGARA

2018 ◽  
Vol 2 (2) ◽  
Author(s):  
ERNI AWANTI
Keyword(s):  
Financial System ◽  
Fixed Effect Model ◽  
Financial Inclusion ◽  
System Stability ◽  
Asian Countries ◽  
Effect Model ◽  
Panel Data Regression ◽  
Data Regression ◽  
Private Credit ◽  
The Impact

This research aims to analyze the impact of financial inclusion toward financial system stability and its determinants in south east asian countries within period of 2007-2015. Multidimensional index of financial inclusion (IFI) used to analyze financial inclusion index and panel data regression with Fixed Effect Model (FEM) used to analyze the impact between variables. The result of estimation using IFI shows that Malaysia has the highest financial inclusion index and estimation using FEM shows that financial inclusion variable has negative and not significant  impact in financial system stability. Other variable which has positive and significant impact to financial system stability are GDP percapita, private credit ratio, and liquidity asset ratio. Otherwise, financial openess index has negative and significant impact to financial system stability.

scholarly journals Impacts of China’s Minimum Grain Procurement Price Program on Agrochemical Use: A Household-Level Analysis

Agriculture ◽  
2021 ◽  
Vol 11 (10) ◽  
pp. 910
Author(s):  
Min Su ◽  
Nico Heerink ◽  
Peter Oosterveer ◽  
Tao Tan ◽  
Shuyi Feng
Keyword(s):  
Chemical Fertilizer ◽  
Data Set ◽  
Household Level ◽  
Self Sufficiency ◽  
Panel Data Regression ◽  
Level Data ◽  
Data Regression ◽  
Procurement Price ◽  
Regression Techniques ◽  
Area Expansion

China’s minimum grain procurement price program aims to boost grain production and ensure food self-sufficiency. It may also affect the already very high levels of chemical fertilizer and pesticides consumption, but little is known about these potential side-effects. In this paper, we apply panel data regression techniques to a large rural household-level data set for the period 1997–2010 to examine whether and how the minimum grain procurement price program affected households’ agrochemical use. We find that the minimum grain procurement price program negatively affected both chemical fertilizer and pesticides use, with pesticides use being more responsive than the use of fertilizer. The higher wheat and rice prices that resulted from the program stimulated the use of agrochemicals, but they also stimulated area expansion which contributed to lower agrochemical use per unit of land. These counteracting indirect effects were overshadowed by the large negative direct effect of the minimum procurement price of rice on the use of fertilizer and pesticides.

scholarly journals Impact of ICT Adoption on Inequality

2020 ◽  
Vol 1 (2) ◽  
pp. 125-139
Author(s):  
Harry Patria ◽  
Abdul Azeez Erumban
Keyword(s):  
Income Inequality ◽  
Household Income ◽  
Turning Point ◽  
Consumer Surplus ◽  
Panel Data Regression ◽  
Data Regression ◽  
Ict Adoption ◽  
Property Income ◽  
Considerable Impact ◽  
The Impact

This study investigates the relationship between ICT adoption ratio and income inequality. While the majority studies explain the impact of ICT on income inequality via labor market, this study offers a different perspective on this relationship. The fast-growing ICT has influenced, not only the employment income, but also the household income, such as property income, consumer surplus, etc. Thus, this study seeks to show the impact of ICT on income inequality via household income channel. The large internet economy and the remarkable internet adoption increase in Indonesia demonstrate the considerable impact of ICT on the lives and income of people in Indonesia. By using panel data regression, this paper shows an inverted U-shape relationship between ICT adoption and income inequality. Low ICT adoption increased income inequality until a certain turning point, whereby higher ICT adoption reduced income inequality in society. The turning point relating to average adoption ratio of mobile phone, computer, and internet was 25%; while there was an average adoption ratio of 17% for computer and internet.

Financial Inclusion and Bank Efficiency in Indonesia

2020 ◽  
Vol 10 (2) ◽  
pp. 595
Author(s):  
Fida MUTHIA ◽  
Agung Putra RANEO ◽  
Sri ANDAIYANI
Keyword(s):  
Small And Medium Enterprises ◽  
Financial Inclusion ◽  
Data Envelopment ◽  
Bank Efficiency ◽  
The World Bank ◽  
Panel Data Regression ◽  
Data Regression ◽  
The Government ◽  
Using Data ◽  
Medium Enterprises

The aim of this study is to find out the effect of financial inclusion on bank efficiency in Indonesia. Data from 26 banks for the period of 2011 to 2016 is used to measure bank efficiency using Data Envelopment Analysis (DEA). While the data from the World Bank is used to calculate the ratio of outstanding loans of small and medium enterprises to total outstanding loans in banks to measure financial inclusion index. Panel data regression is done to analyze the effect and the result shows that financial inclusion has a positive and significant effect on bank efficiency where an increase in financial inclusion could improve bank efficiency. The result implies that the government must present a conducive financial environment for the implementation of the SNKI program that can improve financial inclusion and bank efficiency.  

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