Impact of Financial Inclusion for Welfare : Analyze to Household Level

Multazam Mansyur Addury
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引用次数: 11

Abstract

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.
普惠金融对福利的影响:家庭层面分析
一个国家贫困的一个指标是社区获得金融设施的机会仍然很低。因此,目前正在开展一项大规模的普惠金融计划。普惠金融是一个为社区提供便利的融资渠道(储蓄和融资),从而改善福利的项目。本研究分析了普惠金融部分,即信贷和存款/投资金额对家庭收入、家庭消费支出和家庭生活设施的影响。数据来自2000年、2007年和2014年的印度尼西亚家庭生活调查。本研究采用面板数据回归分析。研究结果发现:(a)信贷金额对家庭收入有显著影响,(b)信贷金额和储蓄/投资对家庭消费支出有显著影响,(c)信贷金额和储蓄/投资对家庭居住设施没有显著影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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