Hubungan Faktor Sosio Demografis dengan Inklusi Keuangan: Bukti dari Global Findex 2025
DOI:
https://doi.org/10.29407/jpeaku.v6i1.29004Keywords:
Inklusi Keuangan, Sosio demografis, Global FindexAbstract
Inklusi keuangan berperan penting dalam memengaruhi pertumbuhan ekonomi suatu negara, namun faktanya akses terhadap layanan keuangan di Indonesia masih belum merata. Faktor sosiodemografis menjadi determinan penting untuk menjelaskan perbedaan tingkat inklusi keuangan antar individu. Oleh sebab itu, penelitian ini berkontribusi untuk memberikan bukti empiris yang menganalisis hubungan antara faktor sosiodemografis dengan inklusi keuangan di Indonesia. Penelitian ini menggunakan data sekunder dari Global Findex 2025 dengan total responden sebanyak 1.067 responden. Untuk mengukur hubungan antara faktor sosiodemografis dengan inklusi keuangan, penelitian ini menggunakan metode regresi logistik. Inklusi keuangan pada penelitian ini diukur dengan empat model regresi logistik dari empat indikator, yaitu akun formal, akun digital, tabungan, dan pinjaman. Hasil dari penelitian ini menunjukkan bahwa jenis kelamin, usia, pendidikan, pendapatan, dan status ketenagakerjaan memiliki hubungan dengan inklusi keuangan. Sedangkan faktor urban (wilayah tempat tinggal) tidak memiliki hubungan dengan inklusi keuangan. Hal ini dikarenakan masyarakat pedesaan memiliki akses yang hampir sama dengan penduduk di daerah kota dalam mendapatkan layanan keuangan, mulai dari pembuatan akun formal, penggunaan transaksi digital, menabung, dan melakukan pinjaman ke lembaga keuangan. Temuan penelitian ini dapat menjadi dasar bagi pemerintah dalam mengidentifikasi kelompok masyarakat yang memiliki probabilitas lebih rendah, sehingga dapat dirancang kebijakan mengenai inklusi keuangan secara tepat sasaran.
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