scholarly journals PENGARUH INKLUSI KEUANGAN TERHADAP STABILITAS SISTEM KEUANGAN DAN PERTUMBUHAN EKONOMI DI ASEAN

2020 ◽  
Vol 2 (1) ◽  
pp. 161
Author(s):  
Iramayasari Iramayasari ◽  
Melti Roza Adry
Keyword(s):  
Economic Growth ◽  
Panel Data ◽  
Significant Influence ◽  
Financial Stability ◽  
Financial System ◽  
Financial Inclusion ◽  
System Stability ◽  
Significant Positive Effect ◽  
Bank Branches ◽  
Positive Effect

This study aims to examine the effect of financial inclusion from the amount of ATMs inclusions and the amount of bank branches inclusions on financial stability and economic growth with deposit rates in ASEAN. This study uses panel data from 2004 - 2017 consisting of 6 countries in ASEAN, that are Indonesia, Malaysia, Thailand, Singapore, Philippines and Vietnam. The data processing method uses the Simultaneous Panel. Data is obtained from World Bank publications and FRED Economic Data annually. The results of the study explained that (1) Financial inclusion has a significant influence on financial system stability in ASEAN (2) The amount of inclusion ATMs has a significant effect on financial system stability in ASEAN (3) The amount of bank branches inclusions does not have a significant effect on financial system stability in ASEAN (4) Deposit interest has a significant effect on the stability of the financial system in ASEAN (5) financial inclusion has a significant effect on economic growth in ASEAN (6) The amount of inclusion ATMs has a significant effect but has a negative relationship with economic growth in ASEAN (7) The amount of inclusion bank branches has a significant influence on economic growth in ASEAN (8) Financial system stability on economic growth has a significant positive effect simultaneously on ASEAN (9) Economic growth on financial system stability has a significant positive effect simultaneously on ASEAN.

scholarly journals PENGARUH FINANCIAL INCLUSION INDICATOR, GDPPC, ICT, DAN UNEMPLOYMENT TERHADAP NEGARA OIC TAHUN 2004-2018

2020 ◽  
Vol 7 (10) ◽  
pp. 1977
Author(s):  
Anastasya Firdauzi ◽  
Raditya Sukmana
Keyword(s):  
Panel Data ◽  
World Bank ◽  
Statistical Data ◽  
Financial Inclusion ◽  
Quantitative Approach ◽  
Significant Positive Effect ◽  
Bank Branches ◽  
The World Bank ◽  
The World ◽  
Positive Effect

ABSTRAKPenelitian ini bertujuan untuk mengidentifikasi pengaruh dari financial inclusion indicator, GDPPC, ICT, dan unemployment terhadai HDI pada 55 negara OIC. Penelitian ini menggunakan data statistik dari World Bank, IMF, dan UNDP dengan pendekatan kuantitaif dan dianalisis menggunakan panel data. Berdasarkan hasil regresi, semua variabel menunjukkan hasil yang positif signifikan berpengaruh secara simultan pada HDI pada 55 negara OIC. Financial inclusion indicator jumlah atm dan cabang bank berpengaruh secara positif signifikan, sedangkani jumlah akun deposan pada berpengaruh negatif namun tidak signifikan. GDPPC, ICT dan unemployment berpengaruh secara positif signifikan dalam kenaikan HDI pada 55 negara OIC pada tahun 2004-2018Kata Kunci: HDI, Financial Inclusion Indicator, GDPPC, ICT, Unemployment ABSTRACTThis study aims to identify the effects of financial inclusion indicators, GDPPC, ICT, and unemployment for HDI in 55 OIC countries. This study uses statistical data from the World Bank, IMF, and UNDP with a quantitative approach and is analyzed using panel data. Based on the regression results, all variables show a positive and significant effect simultaneously on HDI in 55 OIC countries. The financial inclusion indicator of the number of ATMs and bank branches has a significant positive effect, while the number of depositors' accounts has a negative but insignificant effect. GDPPC, ICT and unemployment had a significant positive effect on the increase in HDI in 55 OIC countries in 2004-2018.Keywords: HDI, Financial Inclusion Indicator, GDPPC, ICT, Unemployment

scholarly journals Peran Inklusi Keuangan melalui Integrasi Fintech dalam Stabilitas Sistem Keuangan Indonesia

2018 ◽  
pp. 150
Author(s):  
Fitri Rusdianasari
Keyword(s):  
Financial Services ◽  
Financial Stability ◽  
Banking Sector ◽  
Financial System ◽  
Financial Inclusion ◽  
System Stability ◽  
Performance Technology ◽  
Bank Branches ◽  
Long Run ◽  
The Stability

Financial inclusion is a banking instrument that plays an important role in financial system stability through access and financial services. To improve financial performance, technology integration is now an interesting issue. This study aims to determine the role of fintech (financial technology) and other financial inclusion instruments such as MSME credit in influencing the stability of the Indonesian financial system. Error Correction Model (ECM) estimation is used to determine the long and short term effects through cointegration values ??between independent variables in influencing the dependent variable. The results of the analysis show that the number of bank branches has a significant long-term influence on financial stability through NPL performance, so direct investment directed at the banking sector also has a significant influence on financial system stability in the long run. However, fintech instruments such as ATMs and e-money have no significant effect on financial system stability. This condition was motivated by the limited reach of fintech development in the financial sector, especially for the unbankable community

scholarly journals PENGARUH VARIABEL MAKROEKONOMI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA (MELALUI PENDEKATAN MONETER)

2019 ◽  
Vol 1 (2) ◽  
pp. 473
Author(s):  
Rozi Syaputra ◽  
Melti Roza Adry
Keyword(s):  
Economic Growth ◽  
Exchange Rate ◽  
Exchange Rates ◽  
Financial Stability ◽  
Stock Price ◽  
Linear Regression Analysis ◽  
Financial System ◽  
Least Square ◽  
System Stability ◽  
Positive Effect

This study aims to find out how the Influence of inflation on financial stability system in Indonesia. The data used are secondary data in the form of time series from 2005:M1 to 2017:M12, with documentation data collection techniques and library studies obtained from relevant institutions and agencies. The variables used are Inflation, BI Rate, BI-7 Day Repo Rate, Exchange Rate and Financial Stability System. The research methods used are: (1) Multiple Linear Regression Analysis and Ordinary Least Square, (2) Classical Assumption Test. The results of the study show that (1) Inflation does not have a significant and negative effect on financial system stability. This means that inflation has no effect on financial system stability. (2) Exchange rates have a significant effect on Financial System Stability. This means that Exchange Rates have positive effect of Financial System Stability in Indonesia, every Rupiah Exchange Rate against US $ is depreciated, it will increase Financial System Stability in Indonesia. So it can be said that Financial System Stability is influenced by the appreciation or depreciation of the Rupiah Exchange Rate against US $ in Indonesia.. (3) Economic Growth has a positive effect on Financial System Stability. This means that every Economic Growth increases, it will increase the financial system stability in Indonesia, (4) The Composite Stock Price Index has a positive effect on financial system stability. Si it can be said that financial system stability is influeced by the strengthening or weakening of the JCI in Indonesia.

scholarly journals ANALISIS PENGARUH INSTRUMEN PEMBAYARAN NON-TUNAI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA

2018 ◽  
Vol 1 (1) ◽  
pp. 47
Author(s):  
Nastiti Ninda Lintangsari ◽  
Nisaulfathona Hidayati ◽  
Yeni Purnamasari ◽  
Hilda Carolina ◽  
Wiangga Febranto Ramadhan
Keyword(s):  
Interest Rates ◽  
Credit Card ◽  
Financial System ◽  
Payment System ◽  
System Stability ◽  
Significant Positive Effect ◽  
Business World ◽  
Payment Instruments ◽  
Cash Payment ◽  
Positive Effect

The payment system is an important component in the economy especially to ensure the implementation of payment transactions made by the public and the business world. In addition, the payment system also plays an important role in supporting financial system stability and implementation of monetary policy. Along with rapid technological developments, patterns and payment systems in economic transactions are constantly changing. Technological advances in the payment instruments shift the role of cash as a means of payment in the form of more efficient and economical non-cash payments. Non-cash payment instruments used in this study are card-based payment instruments (APMK) and electronic money (e-money). The aim of this study is to examine the effect of non-cash payment instruments development on money supply (M1), velocity of money, inflation, interest rate, and financial system stability. A set of secondary data are assessed through official website of Bank Indonesia from year 2009-2017. Multiple regression analysis are employed to elaborate the results. The result showed that e-money and credit card transactions have a significant positive effect on M1, e-money transactions have a significant negative effect on interest rates, and credit card transactions have a significant positive effect on interest rates.

scholarly journals Financial System Stability and Economic Growth in Nigeria

2020 ◽  
Author(s):  
Isaac Ikeafe NJANG ◽  
Eko Eko OMINI ◽  
Festus Victor BEKUN ◽  
Festus Fatai Adedoyin
Keyword(s):  
Economic Growth ◽  
Financial Crisis ◽  
Financial Stability ◽  
Financial System ◽  
Granger Causality Test ◽  
System Stability ◽  
Causality Test ◽  
Long Run ◽  
Integration Test ◽  
Sustainable Economic Growth

Abstract This study primarily seeks to evaluate the influence of financial system stability on economic growth in Nigeria from 1986 to 2016. Employing the use of Principal Component Analysis (PCA), this study constructs a Financial System Stability Index (FSSI) as measurement for financial stability. The indicators used in building the index capture three sectors of the Nigerian Financial System (NFS). The three sectors cover the banking sector, the capital market, the external sector and include a fourth component representing financial depth. The resulting index serves as a single qualitative measure for evaluating the level of stability in a nation’s financial system and proves capable of warning of an eminent financial crisis. Employing the use of four macroeconomic indicators, the index is then regressed against the Nigerian economic growth rate with an aim of discovering the short-run and long-run dynamics existing between both variables. The granger causality test, Johansson Co-integration test and Vector Error Correction Model (VECM) are the estimation techniques employed in achieving the objectives of this research. The granger causality test revealed a uni-directional causality between financial stability and economic growth in Nigeria. The Johansson Co-integration test showed that long-run co-integration relationship exists between financial stability and economic growth. Finally, the VECM results find that financial stability displays a negative relationship with economic growth and bears no significant effect on economic growth in Nigeria. The findings disclose that financial stability in Nigeria may be high and has resulted in the underutilization of financial assets thus hampering sustainable economic growth in Nigeria. In conclusion, the outcome of the findings shows that while financial stability may be necessary for initiating economic growth, it is not sufficient for sustaining economic growth in Nigeria. This research work recommends that the FSSI be employed as an additional tool for measuring the condition/state of financial stability in Nigeria and in predicting the onset of a potential financial crisis. The study further recommends that financial authorities must give attention to other aspects of financial development to facilitate sustainable economic growth in Nigeria.

scholarly journals VARIABEL EKONOMI MONETER YANG MEMPENGARUHI PERTUMBUHAN EKONOMI DAN FINANCIAL INCLUSION BANK SYARIAH DI INDONESIA PERIODE 2010-2017

2020 ◽  
Vol 6 (7) ◽  
pp. 1395
Author(s):  
Kholifatun Nahdliyah ◽  
Atina Shofawati
Keyword(s):  
Economic Growth ◽  
Exchange Rate ◽  
Money Supply ◽  
Latent Variables ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Series Data ◽  
Research Approach ◽  
Significant Positive Effect ◽  
Positive Effect

This study aims to determine the effect of exchange rate and money supply on economic growth and financial inclusion in Bank Syariah Period 2010-2017. The sample used is saturated samples, ie all parts of Sharia Bank, including Sharia Commercial Bank and Sharia Business Unit which in the last year of 2017 amounted to 13 Sharia Commercial Banks and 21 Sharia Business Units, furthermore this research uses time series data analysis by analyzing data from year to year. The research approach used is quantitative approach using analysis technique PLS (Partial Least Square) with four latent variables namely exchange rate and money supply as exogenous variable, economic growth as endogen intervention variable, and financial inclusion as endogen variable. The results of this study indicate: the exchange rate has a significant negative effect on economic growth, the money supply has a significant positive effect on economic growth, economic growth has a significant positive effect on financial inclusion of Sharia Bank.Keywords: exchange rate, money supply, economic growth, and financial inclusion

scholarly journals Faktor-Faktor yang Mempengaruhi Kemiskinan di Propinsi Sumatera Barat

2019 ◽  
Vol 4 (2) ◽  
pp. 318
Author(s):  
Yenni Del Rosa
Keyword(s):  
Economic Growth ◽  
Panel Data ◽  
Sampling Technique ◽  
Coefficient Of Determination ◽  
Multiple Regression Equation ◽  
Significant Positive Effect ◽  
West Sumatra ◽  
Negative Effect ◽  
Positive Effect

This research aims to analyze how much influences the economic growth, inflation and unemployment poverty the province West Sumatra.  Economic growth, inflation and employment panel data were collected from thr Central Statistics Agency in 2014 – 2018 with saturated sampling technique. Multiple regression equation obtained from this study Y = 179,02 -  0.087 X1 – 0,033X2 + 0,006X3 +  e with a coefficient of determination of 0.949 and a correlation coefficient of 0.866 and adjusted R square 0,549 . After testing the hypothesis turns out the hypothesis is accepted where economic growth and inflation significant negative effect on poverty  and unemployment has no significant positive effect on poverty.

scholarly journals Investigation of external and internal shock in the stability of Indonesia’s financial system

2017 ◽  
Vol 7 (3) ◽  
pp. 6-16
Author(s):  
Maulina Vinus ◽  
Suhal Kusairi
Keyword(s):  
Economic Growth ◽  
Financial Stability ◽  
Financial System ◽  
Quantitative Measure ◽  
Stability Index ◽  
External Factors ◽  
System Stability ◽  
Climate Index ◽  
Internal Factors ◽  
The Stability

The objective of this research is to develop a financial system stability index and analyze the internal and external factors that we expect to affect the stability of the Indonesian financial system. We measured the single model of financial system stability index (FSSI) from year 2004M03 to2014M09 in Indonesia, and compiled a single quantitative measure based on aggregate internal factors and external factors to capture and predict the shocks of the financial system stability. Stability parameters were composed of composite indicators on different bases. In addition, we developed a comprehensive index component associated with the relevant market conditions, including banking soundness index, financial vulnerability index, and regional economic climate index. Results stated that US economic growth and economic growth of ASEAN countries positively affected financial stability. In addition, current account, exchange rate, inflation, interest rate were shown to negatively affect financial stability. The results of this study imply that internal factors have a strong influence on the financial stability. Therefore, the central bank should give a fast and correct response to the changes of external and internal financial environment, especially for internal factors through monetary policy.

Pengaruh desain produk dan harga terhadap minat beli konsumen mebel jati jepara pada Toko Usaha Baru Furniture di Lubuk Alung

2019 ◽  
Vol 8 (2) ◽  
Author(s):  
Sutiyem Sutiyem ◽  
Thesa Alif Ravelby ◽  
Dessy Trismiyanti
Keyword(s):  
Product Design ◽  
Significant Influence ◽  
Design Variable ◽  
Quantitative Research ◽  
Coefficient Of Determination ◽  
Purchase Decision ◽  
Significant Positive Effect ◽  
Consumer Interest ◽  
Spss Software ◽  
Positive Effect

This study aims to determine the effect of product design and price on consumer interest in buying Jepara Teak furniture at the New Furniture Business Shop in Lubuk Alung. This type of research is associative quantitative research, the number of research samples were 100 people. Data was collected in the form of questionnaires and using analyzed SPSS software ver.21.0 for Windows. The conclusions from this study is the product design variable (X1) has a significant positive effect on purchase decision in Jati Jepara furniture at the New Furniture Business Shop in Lubuk Alung, as evidenced by t value > t table (10,400> 1,660) and a significant influence between price variables ( X2) purchase decision with t value> t table (2,015> 1,660). There is a positive and significant influence between product design (X1) price (X2), on purchase decision of Jati Jepara furniture consumers with an F-value 156,644> F- table (3,09) means that it affects together. The coefficient of determination (R²) results obtained a coefficient of 0.764 or 76.4%, while 23.6% is influenced by other variables.Keywords: Product design; prices; purchase decision.

Mobile Money - A Catalyst for Financial Inclusion in Developing Economies: A Case Study of Zimbabwe using FinScope Survey Data

GIS Business ◽  
2016 ◽  
Vol 12 (4) ◽  
pp. 45-56
Author(s):  
Kingstone Mutsonziwa ◽  
Obert K. Maposa
Keyword(s):  
Rural Communities ◽  
Developing Economies ◽  
Adult Population ◽  
Financial System ◽  
Financial Inclusion ◽  
Viable Option ◽  
Mobile Money ◽  
Bank Branches ◽  
Financial Transactions

Mobile money in Zimbabwe has extensively extended the frontiers of financial inclusion to reach millions who were earlier excluded within a relatively short space of time. The growing use of mobile phones in transferring money and making payments has significantly altered the countrys financial inclusion landscape as millions who had been hitherto excluded can now perform financial transactions in a relatively cheap, reliable and secure way. The FinScope results found out that 45% of the adult population use mobile money services. Of those using mobile money, 65% mentioned that is convenient, while 36% mentioned that it is cheap. Mobile money is accessible. These drivers are in the backdrop of few or no bank branches in rural communities as well as time and cost of accessing the bank branches. In Zimbabwe, mobile money is mostly used as a vehicle for remittances. While some people are enjoying mobile money services, it is important to mention that there are still people who are excluded from the formal financial system. The reasons why people do not use mobile money are mainly related to poverty issues. Mobile money remains a viable option to push the landscape of financial inclusion in Zimbabwe and other emerging markets where the formal financial system might not be strong.

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