THE INFLUENCE OF FINANCIAL INCLUSION ON CREDIT RISKS IN COMMERCIAL BANKS IN INDONESIA

Ghasarma, Reza and Muthia, Fida and Umrie, H.M.A. Rasyid HS and Sulastri, Sulastri and Arianto, Bobby (2019) THE INFLUENCE OF FINANCIAL INCLUSION ON CREDIT RISKS IN COMMERCIAL BANKS IN INDONESIA. Jurnal Akuntansi dan Bisnis, 19 (2). pp. 160-166. ISSN 2580-5444

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Abstract

This study aims to analyze the effect of financial inclusion on credit risk in commercial banks in Indonesia. The data used are secondary data obtained from the Financial Access Survey (FAS) of the IMF and Bank Focus from 2011-2016. A total of 34 banks were sampled in this study. From the results of panel data processing, it was found that financial inclusion has a positive effect on bank credit risk, where an increase in the financial inclusion index annually causes an increase in bank credit risk. The results of this study provide insights to the government and banks to anticipate credit risk which can affect banking stability due to financial inclusion.

Item Type:	Article
Uncontrolled Keywords:	financial inclusion, credit risks, panel data
Subjects:	H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance
Divisions:	01-Faculty of Economics > 61001-Management (S3)
Depositing User:	Prof Sulastri Sulastri
Date Deposited:	12 Jun 2023 09:36
Last Modified:	12 Jun 2023 09:36
URI:	http://repository.unsri.ac.id/id/eprint/108611

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