Aqil, Asyrof Rifqi and Dr.rer.pol. Ferry Prasetiya,, SE., M.app.Ec. (2023) Fintech Lending dan Inclusive Growth di Indonesia. Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk menganalisis hubungan fintech lending dan inclusive growth di Indonesia dalam jangka pendek dan jangka panjang dengan menggunakan data panel yang mencakup 34 provinsi dengan frekuensi bulanan dari tahun 2019 hingga 2021. Metode Panel Vector Error Correction Model (PVECM) digunakan untuk menjawab pertanyaan dalam penelitian ini. Hasil estimasi menemukan bahwa terdapat hubungan satu arah antara fintech lending dan inclusive growth dalam jangka pendek dan hubungan dua arah dalam jangka panjang. Dalam penelitian ini juga ditemukan bahwa penetrasi internet dan literasi keuangan menjadi faktor penting dalam hubungan kedua variabel tersebut. Dengan demikian perlu adanya peningkatan penetrasi internet dan literasi keuangan secara lebih merata disertai dengan kebijakan dan inovasi yang dapat mendorong pertumbuhan fintech lending dan inclusive growth di Indonesia.
English Abstract
This study aims to analyze the relationship between fintech lending and inclusive growth in Indonesia in the short and long term using panel data covering 34 provinces with monthly frequencies from 2019 to 2021. The Panel Vector Error Correction Model (PVECM) method is used to answer questions in this research. The estimation results find that there is a unidirectional causality between fintech lending and inclusive growth in the short term and bidirectional causality in the long term. In this study it was also found that internet penetration and financial literacy were important factors in the relationship between the two variables. Thus it is necessary to increase internet penetration and financial literacy more evenly accompanied by policies and innovations that can encourage the growth of fintech lending and inclusive growth.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0523020501 |
| Uncontrolled Keywords: | Lending, Inclusive Growth, Panel Vector Error Correction Model |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username nova |
| Date Deposited: | 15 Jan 2024 02:51 |
| Last Modified: | 15 Jan 2024 02:51 |
| URI: | http://repository.ub.ac.id/id/eprint/205915 |
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