Gustriani, Gustriani and Asngari, Imam and Suhel, Suhel and Bashir, Abdul and Yulianita, Anna and Widyanata, Fera (2022) Influence of Financial Soundness on Financial Inclusion and MSMEs: A MacroLevel Investigation in Indonesia. APSEPI. (Unpublished)
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2022-Influence of Financial Soundness on Financial Inclusion and MSMEs A MacroLevel Investigation in Indonesia-tr.pdf Download (2MB) |
Abstract
Strengthening the financial system is urgently needed in line with the threat of the global crisis after the Covid-19 pandemic and the heating up of world politics due to the war in Ukraine. The endurance of the financial system potentially increases the public trust in financial institutions and ultimately accelerates financial inclusion, especially in the Micro, Small, and Medium Enterprises (MSMEs) sector. Using the ARCH Maximum Likelihood Model, this study focuses on the effect of the financial soundness of the banking industry and macroeconomic conditions on financial inclusion and MSMEs during 2012-2022. The banking soundness variable is measured from financial indicators in the form of capital namely Capital Asset Ratio (CAR), profitability namely Return on Assets (ROA) and Return on Equity (ROE), credit risk namely Non-Performing Loan (NPL), and liquidity risk namely Loan to Deposit Ratio (LDR). Furthermore, the financial inclusion indicator uses the Number of Account Credits per 1,000 Adults, while the MSMEs indicator uses MSMEs Credit to GDP at the Current Price. In addition, the inflation variable is included as an indicator of economic conditions. The results show that partially CAR, NPL, LDR, and LAC(-1) significantly influence financial inclusion, while RoA and inflation were found insignificant. Furthermore, CAR, NPL, LDR, and inflation partially influence the MSMEs credit, while the RoA and RoE are insignificant.
| Item Type: | Other |
|---|---|
| Subjects: | H Social Sciences > HG Finance > HG1501-3550 Banking #3 Repository of Lecturer Academic Credit Systems (TPAK) > Results of Ithenticate Plagiarism and Similarity Checker |
| Divisions: | 01-Faculty of Economics > 60101-Economics (S2) |
| Depositing User: | Dr Imam Asngari, SE, M.Si |
| Date Deposited: | 29 Apr 2023 23:39 |
| Last Modified: | 29 Apr 2023 23:39 |
| URI: | http://repository.unsri.ac.id/id/eprint/98264 |
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