INKLUSI KEUANGAN DI PROVINSI SULAWESI

INKLUSI KEUANGAN DI PROVINSI
SULAWESI TENGGARA 2008-2015
Oleh
*Putri Dana Liambo ** Akhmad Firman *** M. Natsir
*Mahasiswa Jurusan Ilmu Ekonomi Universitas Halu Oleo
** ***Staf Pengajar Ekonomi Universitas Halu Oleo
E-mail: [email protected]
ABSTRACT
This study aims to measure the level of financial inclusion is measured using
three dimensions consist of dimension penetration of banking, banking service
availability dimension and the dimension usage in southeast sulawesi 2008-2015. The
method used is descriptive and index calculation method of measurement index of
financial inclusion which was adapted by Mandira Sarma (2010) used microsoft Excel.
The data used are secondary data in the form of the number of the bank account, the
number of adults, the number of offices of the bank, the deposit amount and credit
amount of the pivate sector and the household sector as percent of GDRP.
The results of this study showed that the average financial inclusion in Southeast
Sulawesi included in category medium, these conditions indicate that financial inclusion
in Souheast Sulawesi have significant influence towards the stability of the financial
system. The average financial inclusion in Southeast Sulawesi is primarily determined
by the dimensions of the banking penetration while the availability of banking services
dimension and the dimension usage has only a small role, meaning communities in
southeast sulawesi less than optimal use formal financial service as a major source of
credit.
In connection with this conclusion suggested need for sustainable financial
development efforts to achieve the ultimate goal of financial system stability policies
that ultimately impact on welfare. Stakehlders need to improve the availability of
banking services and usage at an affordable price.
Keywords: Financial Inclusion, South East Sulawesi
ABSTRAK
Penelitian ini bertujuan untuk mengukur tingkat inklusi keuangan dan mengukur
peranan dimensi penetrasi perbankan, ketersediaan layanan jasa keuangan, dan
penggunaan terhadap pembentukan inklusi keuangan di Sulawesi Tenggara 2008-2015.
Metode yang digunakan adalah deskriptif yang dihitung dengan cara indeksasi yaitu
metode pengukuran indeks inklusi keuangan yang diadaptasi dari Mandira Sarma
(2010) menggunakan Microsoft Excel. Data yang digunakan adalah data sekunder
berupa jumlah rekening bank, jumlah bank dan jumlah kredit dan simpanan sektor
swasta dan sektor rumah tangga
Hasil penelitian menunjukkan bahwa rata-rata inklusi keuangan di Sulawesi
Tenggara masuk dalam kategori medium, maka kondisi tersebut mengindikasikan
bahwa inklusi keuangan di Sulawesi Tenggara memiliki pengaruh yang signifikan
terhadap stabilitas sistem keuangan. Rata-rata inklusi keuangan di Sulawesi Tenggara
utamanya ditentukan oleh dimensi penetrasi perbankan, sedangkan dimensi ketersediaan
layanan jasa perbankan (availabilitas) dan penggunaan (usage) hanya memiliki peranan
yang kecil, yang bermakna masyarakat di Sulawesi Tenggara kurang optimal
menggunakan jasa keuangan formal sebagai sumber kredit utama.
Kata Kunci : Inklusi Keuangan, Sulawesi Tenggara