Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Financial Inclusion on Indonesia's Financial System Stability: The Role Intervening of Financial Technology
Dublin Core
Title
Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Financial Inclusion on Indonesia's Financial System Stability: The Role Intervening of Financial Technology
Financial Inclusion on Indonesia's Financial System Stability: The Role Intervening of Financial Technology
Subject
Financial inclusion; Stability; e-money; Fintech
Description
This study aims to express the concept of thinking related to in-depth financial development through financial inclusion with the intervention of new technological developments which are expected to have a positive impact on increasing the stability of
Indonesia's financial system. This study uses the Estimation Error Correction Model (ECM). Banking instruments represented by international investment banking have a significant effect in the long term on the stability of the Indonesian financial system. Then on financial inclusion instruments, the number of financial office services has a significant influence on NPL performance which reflects the performance of the financial system. Fintech
instruments that encourage financial inclusion, such as the number of ATMs and e-money, do not have a significant impact on financial system stability. Policy recommendations that can be made can be through fintech socialization as a form of financial integration to achieve speed, effectiveness and efficiency of access to unbanked communities. In addition, in the short term, as the socialization and realization of fintech processes are integrated into
the unbankable community, the construction of bank branches as financial service offices also needs to be carried out as an effort to expand the deepening of access to financial information and services
Indonesia's financial system. This study uses the Estimation Error Correction Model (ECM). Banking instruments represented by international investment banking have a significant effect in the long term on the stability of the Indonesian financial system. Then on financial inclusion instruments, the number of financial office services has a significant influence on NPL performance which reflects the performance of the financial system. Fintech
instruments that encourage financial inclusion, such as the number of ATMs and e-money, do not have a significant impact on financial system stability. Policy recommendations that can be made can be through fintech socialization as a form of financial integration to achieve speed, effectiveness and efficiency of access to unbanked communities. In addition, in the short term, as the socialization and realization of fintech processes are integrated into
the unbankable community, the construction of bank branches as financial service offices also needs to be carried out as an effort to expand the deepening of access to financial information and services
Creator
I Dewa Made Endiana, Luh Komang Merawati
Source
DOI: 10.26905/jkdp.v2i2.6914
Publisher
Universitas Merdeka Malang
Date
April 2022
Contributor
Sri Wahyuni
Rights
ISSN: 2443-2687 (Online) ISSN: 1410-8089 (Print)
Format
PDF
Language
English
Type
Text
Coverage
Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Files
Collection
Citation
I Dewa Made Endiana, Luh Komang Merawati, “Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Financial Inclusion on Indonesia's Financial System Stability: The Role Intervening of Financial Technology,” Repository Horizon University Indonesia, accessed April 26, 2025, https://repository.horizon.ac.id/items/show/4845.
Financial Inclusion on Indonesia's Financial System Stability: The Role Intervening of Financial Technology,” Repository Horizon University Indonesia, accessed April 26, 2025, https://repository.horizon.ac.id/items/show/4845.