BAURAN KEBIJAKAN APA YANG DAPAT DIIMPLEMENTASIKAN UNTUK MENINGKATKAN INKLUSI KEUANGAN BAGI MASYARAKAT AGRARIS?
Abstract
Lembaga jasa keuangan berperan penting sebagai katalisator dalam pembangunan ekonomi bagi masyarakat agraris. Kondisi pada saat ini menunjukkan bahwa akses masyarakat agraris terhadap berbagai layanan keuangan dari lembaga jasa keuangan masih sangat terbatas. Penelitian ini dilakukan dengan tujuan untuk mengetahui berbagai pendekatan yang dapat digunakan sebagai buaran kebijakan peningkatan inklusi keuangan bagi masyarakat agraris. Populasi dalam penelitian ini adalah masyarakat agararis yang berdomisili di Provinisi Aceh. Pendekatan Model kano digunakan sebagai metode analisis data dalam penelitian ini. bahwa terdapat satu atribut layanan yang termasuk dalam kategori attractive, sembilan indikator dalam kategori must be dan dan tujuh indikator dalam kategroi one dimensional. Penelitian ini merekomendasikan enam alternatif pendekatan yang dapat digunakan sebagai bauran kebijakan peningkatan inklusi keuangan bagi masyarakat agraris. Hasil penelitian ini sangat relevan dalam rangka mendukung tujuan Strategi Nasional Literasi Keuangan Indonesia yaitu mendorong lembaga keuangan untuk menyediakan layanan keuangan yang sesuai dengan kebutuhan masyarakat.
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Widaninggar, N., Firdaus, M., Suherman, Wahyudi, F., & Sauqi, A. (2023). Analysis of the intention to use loan facilities from formal financial institutions for large chili farmers through the theory of planned behavior approach. Investment Management and Financial Innovations, 20(2), 137–148. https://doi.org/10.21511/imfi.20(2).2023.12
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Wijaya, T. (2018). Manajemen Kualitas Jasa Desain Servqual, QFD, dan Kano (Edisi Kedu). Indeks Jakarta.
Wulandari, E., Meuwissen, M. P. M., Karmana, M. H., & Oude Lansink, A. G. J. M. (2017). Performance and access to finance in Indonesian horticulture. British Food Journal, 119(3), 625–638. https://doi.org/10.1108/BFJ-06-2016-0236
Yazid, F., Kamello, T., Nasution, Y., & Ikhsan, E. (2021a). Sharia based economics in support of Indonesia’s sustainable agricultural sector. IOP Conference Series: Earth and Environmental Science, 782(3), 0–6. https://doi.org/10.1088/1755-1315/782/3/032040
Yazid, F., Kamello, T., Nasution, Y., & Ikhsan, E. (2021b). Sharia based economics in support of Indonesia’s sustainable agricultural sector. IOP Conference Series: Earth and Environmental Science, 782(3). https://doi.org/10.1088/1755-1315/782/3/032040
Zouari, G., & Abdelhedi, M. (2021). Customer satisfaction in the digital era: evidence from Islamic banking. Journal of Innovation and Entrepreneurship, 10(1). https://doi.org/10.1186/s13731-021-00151-x
Anwar, A. Z., Susilo, E., Rohman, F., Santosa, P. B., & Gunanto, E. Y. A. (2019). Integrated financing model in Islamic microfinance institutions for agriculture and fisheries sector. Investment Management and Financial Innovations, 16(4), 303–314. https://doi.org/10.21511/imfi.16(4).2019.26
Asnawi, A., Amrawaty, A. A., & Nirwana. (2019). A Study of Effect Agribusiness Micro Finance for Beef Cattle Farmers in South Sulawesi Indonesia. IOP Conference Series: Earth and Environmental Science, 334(1). https://doi.org/10.1088/1755-1315/334/1/012052
Asnawi, A., Mrawaty, A. A., & Nirwana. (2021). Effectiveness of microfinance institutions: Perspective of beef cattle farmers in Sinjai District, South Sulawesi Province. IOP Conference Series: Earth and Environmental Science, 788(1). https://doi.org/10.1088/1755-1315/788/1/012205
Badan Pusat Statistik. (2023). Provinsi Aceh Dalam Angka 2023 (Issue 1).
Blay, J. K., Sadick, M., & Decker, A. (2013). Accessibility Constraints Of Small- Scale Fish Farmers To Formal Credit In The Nzema East Municipality Related papers. Journal of Economics and Sustainable Development, 4(1), 128–132.
BPS Aceh. (2018). Hasil Survey Pertanian Antar Sensus (SUTAS) 2018 Provinsi Aceh.
Darwanto, Roessali, W., Woyanti, N., Salam, A. N., & Santosa, P. B. (2019). Sharia Microfinance Institutions Financing Model for Strengthening Agricultural Sector. IOP Conference Series: Earth and Environmental Science, 292(1). https://doi.org/10.1088/1755-1315/292/1/012016
Darwis, V., Rachmawati, R. R., Muslim, C., Chanifah, Sembiring, A., Ilham, N., Mufidah, L., Suhartini, S. H., Basuki, R. S., Rina, Y., Suharyon, Nurdin, M., Dahya, Damanik, M., & Dewi, D. O. (2023). Transformation of financial institutions grants from the government to inclusive financial institutions in Indonesia. PloS One, 18(6), e0286482. https://doi.org/10.1371/journal.pone.0286482
Dawood, T. C., Pratama, H., Masbar, R., & Effendi, R. (2019). Does financial inclusion alleviate household poverty? Empirical evidence from Indonesia. Economics and Sociology, 12(2), 235–252. https://doi.org/10.14254/2071-789X.2019/12-2/14
Dewi, S., Abd Majid, M. S., Aliasuddin, & Kassim, S. (2018). Dynamics of Financial Development, Economic Growth, and Poverty Alleviation: The Indonesian Experience. South East European Journal of Economics and Business, 13(1), 17–30. https://doi.org/10.2478/jeb-2018-0002
Harianto, H., Hutagaol, M. P., & Widhiyanto, I. (2019). Sources and Effects of Credit Accessibility on Smallholder Paddy Farms Performance: an Empirical Analysis of Government Subsidized Credit Program in Indonesia. International Journal of Economics and Financial Issues, 9(5), 1–10. https://doi.org/10.32479/ijefi.8388
Henning, J. I. F., Bougard, D. A., Jordaan, H., & Matthews, N. (2019). Factors affecting successful agricultural loan applications: The case of a South African credit provider. Agriculture (Switzerland), 9(11). https://doi.org/10.3390/agriculture9110243
Herwartz, H., & Walle, Y. M. (2014). Openness and the finance-growth nexus. Journal of Banking and Finance, 48, 235–247. https://doi.org/10.1016/j.jbankfin.2014.06.031
Ismail, M. (2021). The direct effect of commercial banks on poverty reduction: evidence from provinces in Indonesia. Applied Economics, 53(56), 6497–6509. https://doi.org/10.1080/00036846.2021.1946474
Ismawati, D., Dailibas, & Mubarokah, I. (2022). Pengaruh Pembiayaan Murabahah, Musyarakah Dan Mudharabah Terhadap Profitabilitas Bank Umum Syariah. Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi), 6(1), 595.
James B. Ang. (2010). A Survey of Recent Developments in the Literature of FDI-Led Growth Hypothesis. Journal of World Investment and Trade, 11(3), 536–576.
Kiros, S., & Meshesha, G. B. (2022). Factors affecting farmers’ access to formal financial credit in Basona Worana District, North Showa Zone, Amhara Regional State, Ethiopia. Cogent Economics and Finance, 10(1). https://doi.org/10.1080/23322039.2022.2035043
Koni, A., Kurniawan, W., Hatta, I. M., Juhadi, J., & Albayan, A. (2021). Pembiayaan Mudharabah Bank Syariah Dalam Mewujudkan Tujuan Ekonomi Islam. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 5(1), 274–285. http://journal.stiemb.ac.id/index.php/mea/article/view/866/
Lualhati, G. P., Manalo, G. V., Manalo, J. M., & Ramos, J. A. (2018). Satisfaction of Filipino Crop Farmers on Agricultural Credit. International Journal of Applied Science, 1(2), p21. https://doi.org/10.30560/ijas.v1n2p21
Majid, M. S. A., Dewi, S., Aliasuddin, & Kassim, S. H. (2019). Does Financial Development Reduce Poverty? Empirical Evidence from Indonesia. Journal of the Knowledge Economy, 10(3), 1019–1036. https://doi.org/10.1007/s13132-017-0509-6
Mamun, A., Rana, M., & Islam, A. (2023). Exploring the factors that affecting adoption of mobile banking in Bangladesh. Journal of Global Business Insights, 8(1), 66–79. https://www.doi.org/
Mwangi, I., & Atieno, R. (2018). Impact of Financial Inclusion on Consumption Expenditure in Kenya. International Journal of Economics and Finance, 10(5), 114. https://doi.org/10.5539/ijef.v10n5p114
Ndem, B. E., Walter, M. H., Ovat, O. O., Henry, J. T., & Peter, L. M. (2023). Agricultural financing and economic performance in the Obudu local government area of cross River State, Nigeria. Asian Journal of Agriculture and Rural Development, 13(1), 39–48. https://doi.org/10.55493/5005.v13i1.4754
Otoritas Jasa Keuangan. (2021). Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021 - 2025. Ojk.Go.Id, 1–130. https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-2021-2025.aspx
Ouattara, N., Xueping, X., BI, T. B. A. Y., Traoré, L., Ahiakpa, J. K., & Olounlade, O. A. (2020). Determinants of smallholder farmers’ access to microfinance credits: A case study in Sassandra-Marahoué District, Côte d’Ivoire. Agricultural Finance Review, 80(3), 401–419. https://doi.org/10.1108/AFR-07-2019-0075
Perpres RI Nomor 114 Tahun 2020. (2020). Peraturan Presiden RI. In Peraturan Presiden Republik Indonesia Nomor 114 Tahun 2020 Tentang Strategi Nasional Keuangan Inklusif (Issue 051209).
Purmiyati, A., Berma, M., Talib, B. A., & Rakhima, M. S. (2019). The Role of Banking Capital in Industrial Sector Micro Enterprises for Poverty Alleviation: A Study in East Java, Indonesia. Foundations of Management, 11(1), 131–142. https://doi.org/10.2478/fman-2019-0011
Safitri, K. A. (2021). An analysis of Indonesian farmer’s financial literacy. Estudios de Economia Aplicada, 39(4). https://doi.org/10.25115/eea.v39i4.4489
Safitri, N., Permadi, I., & Fathussyaadah, E. (2022). Literasi Keuangan Digital, Keberlanjutan Usaha Industri Kecil Dan Menengah Serta Dampaknya Terhadap Kesejahteraan Keuangan. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 6(3), 1203–1214. http://www.journal.stiemb.ac.id/index.php/mea/article/view/2478
Shofiah, S. M., Fakhriza, M. A. K., & Prihartono. (2021). Pengaruh Kualitas Mobile Banking terhadap Kepuasan Nasabah Bank BJB. Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi), 5(3), 494–512.
Thomas, B., & Subhashree, P. (2020). Behavioural and psychological factors that influence the usage of formal financial services among the low income households. Research in World Economy, 11(5), 326–333. https://doi.org/10.5430/rwe.v11n5p326
Wibowo, B. (2019). Bank Loan, Inflation, and Farmers Welfare: Data Analysis By Province in Indonesia. Asian Development Policy Review, 7(1), 23–30. https://doi.org/10.18488/journal.107.2019.71.23.30
Widaninggar, N., Firdaus, M., Suherman, Wahyudi, F., & Sauqi, A. (2023). Analysis of the intention to use loan facilities from formal financial institutions for large chili farmers through the theory of planned behavior approach. Investment Management and Financial Innovations, 20(2), 137–148. https://doi.org/10.21511/imfi.20(2).2023.12
Widhiyanto, I., Nuryartono, N., & Siregar, H. (2018). International Journal of Economics and Financial Issues The Analysis of Farmers’ Financial Literacy and its’ Impact on Microcredit Accessibility with Interest Subsidy on Agricultural Sector. International Journal of Economics and Financial Issues, 8(3), 148–159. http:www.econjournals.com
Wijaya, T. (2018). Manajemen Kualitas Jasa Desain Servqual, QFD, dan Kano (Edisi Kedu). Indeks Jakarta.
Wulandari, E., Meuwissen, M. P. M., Karmana, M. H., & Oude Lansink, A. G. J. M. (2017). Performance and access to finance in Indonesian horticulture. British Food Journal, 119(3), 625–638. https://doi.org/10.1108/BFJ-06-2016-0236
Yazid, F., Kamello, T., Nasution, Y., & Ikhsan, E. (2021a). Sharia based economics in support of Indonesia’s sustainable agricultural sector. IOP Conference Series: Earth and Environmental Science, 782(3), 0–6. https://doi.org/10.1088/1755-1315/782/3/032040
Yazid, F., Kamello, T., Nasution, Y., & Ikhsan, E. (2021b). Sharia based economics in support of Indonesia’s sustainable agricultural sector. IOP Conference Series: Earth and Environmental Science, 782(3). https://doi.org/10.1088/1755-1315/782/3/032040
Zouari, G., & Abdelhedi, M. (2021). Customer satisfaction in the digital era: evidence from Islamic banking. Journal of Innovation and Entrepreneurship, 10(1). https://doi.org/10.1186/s13731-021-00151-x
Published
2023-09-04
How to Cite
Fahlevi SI, M., & Zhafira, N. (2023). BAURAN KEBIJAKAN APA YANG DAPAT DIIMPLEMENTASIKAN UNTUK MENINGKATKAN INKLUSI KEUANGAN BAGI MASYARAKAT AGRARIS?. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 7(3), 112-134. https://doi.org/10.31955/mea.v7i3.3316
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