ANALISIS FAKTOR- FAKTOR YANG MEMPENGARUHI INKLUSI KEUANGAN DI DAERAH ISTIMEWA YOGYAKARTA PERIODE 2013-2018
Abstract
This research aims to analyze the factors that influence financial inclusion in the
Special Region of Yogyakarta. Financial inclusion is one of the easy ways to access finance,
banking services, as well as being an alternative in overcoming financial problems and
solving the economy in society. The financial inclusion level of each region will be calculated
using the index of financial inclusion. The factor that affecting of financial inclusion include
GDP per capita, Literacy rate, Paved Road, and Unemployment. The method used is a panel
data with a cross section of 5 districts / cities in Yogyakarta Special Region and the analysis
year 2013-2018. The results showed that the level of financial inclusion in the Special Region
of Yogyakarta is classified as middle, indicated by the value of financial inclusion index 0.26.
GDP per capita and Paved Road are positive and significant on Financial inclusion in the
Special Region of Yogyakarta. Literacy rates indicate a negative and insignificant on
Financial inclusion in the Special Region of Yogyakarta. Unemployment are Positive and
insignificant on Financial inclusion in the Special Region of Yogyakarta.