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Building a financial inclusion index and analyzing its impact on unemployment

Jurnal Perspektif Pembiayaan dan Pembangunan Daerah · Vol. 11 No. 5 (2023) · hlm. 347–358

DOI
10.22437/ppd.v11i5.27269
ISSN
2355-8520, 2338-4603
Terbit
2023-12-31
Penerbit
Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

Financial inclusion has garnered attention from policymakers globally due to its potential to spur economic growth, alleviate poverty, and decrease unemployment. This study focuses on estimating the financial inclusion index across ten Southeast Asian countries utilizing principal component analysis. The objective is to identify the most representative index capable of accurately reflecting the financial inclusion indicators specific to each country. Additionally, the research seeks to explore the impact of financial inclusion on the unemployment rate. Data spanning from 2011 to 2021 were sourced from the World Bank. By employing panel regression estimation, the study reveals that digital financial inclusion does not significantly influence the unemployment rate, as indicated by a significance value of 0.118. Furthermore, a similar lack of impact was observed concerning GDP. Conversely, the inflation rate and education level variables affected the unemployment rate significantly, with significance values of 0.028 and 0.021, respectively. These empirical results suggest that policymakers should implement strategies to enhance financial inclusion, such as reducing the costs associated with financial services, offering incentives to the informal sector, and promoting education on the significance of financial instruments and institutions.

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  • Universitas Negeri Padang
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Rekan penulisOrganisasiArtikel bersama
Idris IdrisUniversitas Negeri Padang4
Dewi Zaini PutriUniversitas Negeri Padang4
Melti Roza AdryUniversitas Negeri Padang3
Zul AzharUniversitas Negeri Padang2
Joan MarthaUniversitas Negeri Padang1
Yunnise PutriUniversitas Negeri Padang1
Anis AliUniversitas Negeri Padang1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JES/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Building a financial inclusion index and analyzing its impact on unemployment</dc:title>
	<dc:creator xml:lang="en">Sari, Yollit Permata</dc:creator>
	<dc:creator xml:lang="en">Yeni, Isra</dc:creator>
	<dc:creator xml:lang="en">Pebriyani, Dewi</dc:creator>
	<dc:creator xml:lang="en">Akbar, Urmatul Uska</dc:creator>
	<dc:creator xml:lang="en">Putra, Hari Setia</dc:creator>
	<dc:creator xml:lang="en">Artha, Dwi Rani Puspa</dc:creator>
	<dc:subject xml:lang="en">Financial inclusion</dc:subject>
	<dc:subject xml:lang="en">Principle component analysis</dc:subject>
	<dc:subject xml:lang="en">Unemployment</dc:subject>
	<dc:description xml:lang="en">Financial inclusion has garnered attention from policymakers globally due to its potential to spur economic growth, alleviate poverty, and decrease unemployment. This study focuses on estimating the financial inclusion index across ten Southeast Asian countries utilizing principal component analysis. The objective is to identify the most representative index capable of accurately reflecting the financial inclusion indicators specific to each country. Additionally, the research seeks to explore the impact of financial inclusion on the unemployment rate. Data spanning from 2011 to 2021 were sourced from the World Bank. By employing panel regression estimation, the study reveals that digital financial inclusion does not significantly influence the unemployment rate, as indicated by a significance value of 0.118. Furthermore, a similar lack of impact was observed concerning GDP. Conversely, the inflation rate and education level variables affected the unemployment rate significantly, with significance values of 0.028 and 0.021, respectively. These empirical results suggest that policymakers should implement strategies to enhance financial inclusion, such as reducing the costs associated with financial services, offering incentives to the informal sector, and promoting education on the significance of financial instruments and institutions.</dc:description>
	<dc:publisher xml:lang="en">Program Magister Ilmu Ekonomi  Pascasarjana Universitas Jambi</dc:publisher>
	<dc:date>2023-12-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/JES/article/view/27269</dc:identifier>
	<dc:identifier>10.22437/ppd.v11i5.27269</dc:identifier>
	<dc:source xml:lang="en">Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; Vol. 11 No. 5 (2023): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; 347 - 358</dc:source>
	<dc:source>2355-8520</dc:source>
	<dc:source>2338-4603</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/JES/article/view/27269/17545</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2023 Yollit Pertama Sari, Isra Yeni, Dewi Pebriyani, Urmatul Uska Akbar, Hari Setia Putra, Dwi Rani Puspa Artha</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>