Determinants of financial inclusion in Indonesia: an empirical evidence from global findex data Determinants of financial inclusion in Indonesia: an empirical evidence from global findex data

Financial inclusion is an important component of broad-based financial participation, yet access remains uneven across socioeconomic and demographic groups in Indonesia. This study examines the factors associated with financial inclusion and its barriers using the 2021 Global Findex dataset covering 1,062 respondents across socio-economic and demographic groups. Binary logistic regression is employed to estimate the probability of account ownership, saving, and borrowing in formal and informal i...

Financial inclusion is an important component of broad-based financial participation, yet access remains uneven across socioeconomic and demographic groups in Indonesia. This study examines the factors associated with financial inclusion and its barriers using the 2021 Global Findex dataset covering 1,062 respondents across socio-economic and demographic groups. Binary logistic regression is employed to estimate the probability of account ownership, saving, and borrowing in formal and informal i...