Inklusi Keuangan Dalam Hubungannya Dengan Pertumbuhan UMKM Dan Tingkat Kesejahteraan Masyarakat Di Palangkaraya, Kalteng

Meta Melinda Aldis; Lala Lala; Yomelin Andini; Larissa K.T.T. Situmorang; Riki Cahyadi

doi:10.61132/moneter.v2i2.498

Authors

Meta Melinda Aldis Universitas Palangka Raya
Lala Lala Universitas Palangka Raya
Yomelin Andini Universitas Palangka Raya
Larissa K.T.T. Situmorang Universitas Palangka Raya
Riki Cahyadi Universitas Palangka Raya

DOI:

https://doi.org/10.61132/moneter.v2i2.498

Keywords:

Financial Inclusion, MSMEs, Community Welfare

Abstract

This research explores the impact of financial inclusion on the growth of Micro, Small and Medium Enterprises (MSMEs) in Central Kalimantan, Indonesia, during the 2011-2021 period. Data analysis shows an increase in financial services account ownership from 20% to 52%, contributing to economic growth and a decrease in the unemployment rate. This study highlights the role of government policy in promoting access to financial and supporting services for MSMEs, which is crucial in developing local economies and social welfare. The implications of these findings recommend strengthening financial inclusion policies and increasing support for MSMEs to optimize economic growth and expand employment opportunities in Central Kalimantan.

References

Ahmad, A.H., Green, C., & Jiang, F. (2020). MOBILE MONEY, FINANCIAL INCLUSION AND DEVELOPMENT: A REVIEW WITH REFERENCE TO AFRICAN EXPERIENCE. Journal of Economic Surveys, 34, 753-792. https://doi.org/10.1111/joes.12372

Atiase, V. Y., Wang, Y., & Mahmood, S. (2019). FNGOs and financial inclusion: Investigating the impact of microcredit on employment growth in Ghana. The International Journal of Entrepreneurship and Innovation, 20(2), 90-106. https://doi.org/10.1177/1465750319832478

Dorfleitner, G., & Roble, S. (2018). Financial inclusion and the growth of small medium enterprises in Uganda: Empirical evidence from selected districts in Lango sub-region. Journal of Innovation and Entrepreneurship. https://innovation-entrepreneurship.springeropen.com/

IMF Working Papers. (2019). SME financial inclusion for sustained growth in the Middle East and Central Asia. https://www.elibrary.imf.org/view/journals/001/2019/209/article-A001-en.xml

Mahmood, S., Shuhui, W., Aslam, S., & Ahmed, T. (2022). The Financial Inclusion Development and Its Impacts on Disposable Income. Sage Open, 12(2). https://doi.org/10.1177/21582440221093369

Pesqué-Cela, V., Tian, L., Luo, D., Tobin, D., & Kling, G. (2021). Defining and measuring financial inclusion: A systematic review and confirmatory factor analysis. https://doi.org/10.1002/jid.3524

Thathsarani, S., Jianguo, W., & Alariqi, M. (2023). How Do Demand, Supply, and Institutional Factors Influence SME Financial Inclusion: A Developing Country Perspective. Sage Open, 13(3). https://doi.org/10.1177/21582440231187603

Toure, T.A. (2021). Financial Inclusion and Welfare: New Evidence on the Role of Government. In: Bilgin, M.H., Danis, H., Demir, E., García-Gómez, C.D. (eds) Eurasian Business and Economics Perspectives. Eurasian Studies in Business and Economics, vol 19. Springer, Cham. https://doi.org/10.1007/978-3-030-77438-7_20

Usama, K. M., & Yusoff, W. F. (2019). The Impact of Financial Literacy on Business Performance. International Journal of Research and Innovation in Social Science, 3(10), 84-91. https://www.researchgate.net/publication/322938783_Financial_Inclusion_and_Financial_Sector_Stability_With_Reference_To_Kenya_A_Review_of_Literature

Zhang, X., Li, J., Xiang, D., & Worthington, A. C. (2023). Digitalization, financial inclusion, and small and medium-sized enterprise financing: Evidence from China. Economic Modelling, 126, 106410. https://doi.org/10.1016/j.econmod.2023.106410