The Relationship between Financial Inclusion and Financial Stability Banking Industry in G20 Emerging Market Countries: A Panel Data Evidence

Nurhaliza, Syella and Hidayat, Ariodillah and Rohima, Siti and PERTIWI, RASYIDA and Liliana, Liliana and Andaiyani, Sri and SHODROKOVA, XENANEIRA and Hamidi, Ichsan (2025) The Relationship between Financial Inclusion and Financial Stability Banking Industry in G20 Emerging Market Countries: A Panel Data Evidence. Economic Studies (Ikonomicheski Izsledvania), 33 (6). pp. 113-132. ISSN 0205-3292

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Abstract

This study aims to identify the effect of the financial inclusion sub-index on financial stability in the banking industry proxied by Bank Z Score. This research uses secondary data in the form of panel data with annual data from 2011 to 2021 and the scope of 5 G20 Emerging Market countries. The analysis technique in this study uses the Fixed Effect Model (FEM). The results showed that the banking penetration dimension had a negative and significant effect, bank availability had a significant positive effect, while bank usage had a positive but not significant effect on banking stability. To achieve better financial inclusion and sustainable banking stability in emerging market countries, collaboration between governments, regulators, financial institutions, and other stakeholders is needed. Effective banking regulation and supervision can be the basis for introducing new financial practices and services that support financial inclusion for all levels of society.

Item Type:	Article
Uncontrolled Keywords:	Financial Inclusion; Financial Stability; Emerging Market; Banking Industry
Subjects:	H Social Sciences > HG Finance > HG1501-3550 Banking
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	ariodillah hidayat ario hidayat
Date Deposited:	19 Jun 2025 03:08
Last Modified:	19 Jun 2025 03:08
URI:	http://repository.unsri.ac.id/id/eprint/175559

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