{"title":"数字金融促进普惠金融印尼银行业","authors":"Estu Widarwati, Asep Solihin, Nunik Nurmalasari","doi":"10.15408/sjie.v11i1.17884","DOIUrl":null,"url":null,"abstract":"A digital finance service breakthrough is essential to get better financialassistance to optimize financial inclusion, and the effectivenessrequires technological support in banking financial services. Thestudy investigates the effect of digital finance on financial inclusionin Indonesians’ banking industry. We develop the new measurement,namely average digital finance (ADF), and use loan transactionsto proxy financial inclusion. The samples are six banking during2013-2019, and we use panel data regression to test the hypothesisand do a robustness check. Our result confirms that ADF positivelyimpacts financial inclusion and finds evidence of bank size’s role indigital finance and financial inclusion. It implicates banks’ strategyfor optimizing financial inclusion based on its characteristics suchas age, profitability, and efficiency. It contributes to digital finance’sgovernment policy for using explored internet banking and mobilebanking stimulatingly.Widarwati, E., Solihin, A., & Nurmalasari, (2022). Digital Finance For Improving Financial Inclusion Indonesians’ Banking. Signifikan: Jurnal Ilmu Ekonomi, 11(1), 17-30. https://doi.org/10.15408/sjie.v11i1.17884.","PeriodicalId":266329,"journal":{"name":"Signifikan: Jurnal Ilmu Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2022-02-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"3","resultStr":"{\"title\":\"Digital Finance For Improving Financial Inclusion Indonesians’ Banking\",\"authors\":\"Estu Widarwati, Asep Solihin, Nunik Nurmalasari\",\"doi\":\"10.15408/sjie.v11i1.17884\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"A digital finance service breakthrough is essential to get better financialassistance to optimize financial inclusion, and the effectivenessrequires technological support in banking financial services. Thestudy investigates the effect of digital finance on financial inclusionin Indonesians’ banking industry. We develop the new measurement,namely average digital finance (ADF), and use loan transactionsto proxy financial inclusion. The samples are six banking during2013-2019, and we use panel data regression to test the hypothesisand do a robustness check. Our result confirms that ADF positivelyimpacts financial inclusion and finds evidence of bank size’s role indigital finance and financial inclusion. It implicates banks’ strategyfor optimizing financial inclusion based on its characteristics suchas age, profitability, and efficiency. It contributes to digital finance’sgovernment policy for using explored internet banking and mobilebanking stimulatingly.Widarwati, E., Solihin, A., & Nurmalasari, (2022). Digital Finance For Improving Financial Inclusion Indonesians’ Banking. Signifikan: Jurnal Ilmu Ekonomi, 11(1), 17-30. https://doi.org/10.15408/sjie.v11i1.17884.\",\"PeriodicalId\":266329,\"journal\":{\"name\":\"Signifikan: Jurnal Ilmu Ekonomi\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2022-02-14\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"3\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Signifikan: Jurnal Ilmu Ekonomi\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.15408/sjie.v11i1.17884\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Signifikan: Jurnal Ilmu Ekonomi","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.15408/sjie.v11i1.17884","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 3
摘要
数字金融服务的突破是获得更好的金融援助以优化普惠金融的必要条件，其有效性需要银行金融服务的技术支持。本研究探讨了数字金融对印尼银行业普惠金融的影响。我们开发了新的衡量标准，即平均数字金融(ADF)，并使用贷款交易来代表普惠金融。样本为2013-2019年的6家银行，我们使用面板数据回归来检验假设并进行稳健性检查。我们的研究结果证实了ADF对普惠金融的积极影响，并发现了银行规模在数字金融和普惠金融中的作用的证据。根据普惠金融的年龄、盈利能力和效率等特征，提出了银行优化普惠金融的策略。它有助于数字金融的政府政策，以利用已探索的网上银行和手机银行刺激。Widarwati, E, Solihin, A, and Nurmalasari，(2022)。数字金融促进普惠金融印尼银行业[j] .经济学报，2011(1)，17-30。https://doi.org/10.15408/sjie.v11i1.17884。
Digital Finance For Improving Financial Inclusion Indonesians’ Banking
A digital finance service breakthrough is essential to get better financialassistance to optimize financial inclusion, and the effectivenessrequires technological support in banking financial services. Thestudy investigates the effect of digital finance on financial inclusionin Indonesians’ banking industry. We develop the new measurement,namely average digital finance (ADF), and use loan transactionsto proxy financial inclusion. The samples are six banking during2013-2019, and we use panel data regression to test the hypothesisand do a robustness check. Our result confirms that ADF positivelyimpacts financial inclusion and finds evidence of bank size’s role indigital finance and financial inclusion. It implicates banks’ strategyfor optimizing financial inclusion based on its characteristics suchas age, profitability, and efficiency. It contributes to digital finance’sgovernment policy for using explored internet banking and mobilebanking stimulatingly.Widarwati, E., Solihin, A., & Nurmalasari, (2022). Digital Finance For Improving Financial Inclusion Indonesians’ Banking. Signifikan: Jurnal Ilmu Ekonomi, 11(1), 17-30. https://doi.org/10.15408/sjie.v11i1.17884.
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