Mobile Technologies, Financial Inclusion, and Inclusive Growth in East Indonesia
This paper examines the influence of mobile technologies on financial inclusion, and the matter of whether mobile technologies and financial inclusion have an impact on the income of individuals in East Indonesia, considering the data from the Survey on Financial Inclusion and Access (SOFIA) in 2017...
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id-langga.1139292023-04-20T08:22:25Z https://repository.unair.ac.id/113929/ Mobile Technologies, Financial Inclusion, and Inclusive Growth in East Indonesia Miguel Angel Esquivias Padilla, - Lilik Sugiharti, - Ari Dwi Jayanti, - Rudi Purwono, Dr Narayan Sethi, - H Social Sciences HG Finance This paper examines the influence of mobile technologies on financial inclusion, and the matter of whether mobile technologies and financial inclusion have an impact on the income of individuals in East Indonesia, considering the data from the Survey on Financial Inclusion and Access (SOFIA) in 2017. A seemingly unrelated probit model and an ordinary least-squares model are used to compare both determinants of formal and informal financial services, as well as simple and smart mobile technologies. The study finds that mobile technologies and access to finance significantly increase the likelihood of higher incomes. Smart technologies and formal finance have higher effects on incomes compared to the effects of simple devices or semi-formal and informal finance. Significant gaps in financial access exist between individuals in accordance with gender, income, education, and location. Technologies account for a small difference in the broader access to financial services. Australia, Telecommunications Association Inc. 2020 Article PeerReviewed text en https://repository.unair.ac.id/113929/1/Rudi%20P_%20Artikel112_Mobile%20Technologies.pdf text id https://repository.unair.ac.id/113929/4/Rudi%20Purwono_Peer%20Review112.pdf text en https://repository.unair.ac.id/113929/3/Rudi%20P_%20Similarity112-Mobile%20technologies.pdf text en https://repository.unair.ac.id/113929/2/Rudi%20Purwono_Korespondensi112_mobile%20technology.pdf text id https://repository.unair.ac.id/113929/8/LilikSugiharti_KualitasKaril109.pdf text en https://repository.unair.ac.id/113929/9/LilikSugiharti_Similarity109_Mobile-Technologies.pdf text en https://repository.unair.ac.id/113929/10/LilikSugiharti_Similarity109_Mobile-Technologies.pdf Miguel Angel Esquivias Padilla, - and Lilik Sugiharti, - and Ari Dwi Jayanti, - and Rudi Purwono, Dr and Narayan Sethi, - (2020) Mobile Technologies, Financial Inclusion, and Inclusive Growth in East Indonesia. Australian Journal of Telecommunications and the Digital Economy, 8 (2). pp. 123-145. ISSN 2203-1693 https://jtde.telsoc.org/index.php/jtde/issue/view/24 https://doi.org/10.18080/jtde.v8n2.253 |
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Universitas Airlangga |
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Indonesia Indonesia |
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English Indonesian English English Indonesian English English |
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H Social Sciences HG Finance |
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H Social Sciences HG Finance Miguel Angel Esquivias Padilla, - Lilik Sugiharti, - Ari Dwi Jayanti, - Rudi Purwono, Dr Narayan Sethi, - Mobile Technologies, Financial Inclusion, and Inclusive Growth in East Indonesia |
description |
This paper examines the influence of mobile technologies on financial inclusion, and the matter of whether mobile technologies and financial inclusion have an impact on the income of individuals in East Indonesia, considering the data from the Survey on Financial Inclusion and Access (SOFIA) in 2017. A seemingly unrelated probit model and an ordinary least-squares model are used to compare both determinants of formal and informal financial services, as well as simple and smart mobile technologies. The study finds that mobile technologies and access to finance significantly increase the likelihood of higher incomes. Smart technologies and formal finance have higher effects on incomes compared to the effects of simple devices or semi-formal and informal finance. Significant gaps in financial access exist between individuals in accordance with gender, income, education, and location. Technologies account for a small difference in the broader access to financial services. |
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Article PeerReviewed |
author |
Miguel Angel Esquivias Padilla, - Lilik Sugiharti, - Ari Dwi Jayanti, - Rudi Purwono, Dr Narayan Sethi, - |
author_facet |
Miguel Angel Esquivias Padilla, - Lilik Sugiharti, - Ari Dwi Jayanti, - Rudi Purwono, Dr Narayan Sethi, - |
author_sort |
Miguel Angel Esquivias Padilla, - |
title |
Mobile Technologies, Financial Inclusion, and Inclusive Growth in East Indonesia |
title_short |
Mobile Technologies, Financial Inclusion, and Inclusive Growth in East Indonesia |
title_full |
Mobile Technologies, Financial Inclusion, and Inclusive Growth in East Indonesia |
title_fullStr |
Mobile Technologies, Financial Inclusion, and Inclusive Growth in East Indonesia |
title_full_unstemmed |
Mobile Technologies, Financial Inclusion, and Inclusive Growth in East Indonesia |
title_sort |
mobile technologies, financial inclusion, and inclusive growth in east indonesia |
publisher |
Australia, Telecommunications Association Inc. |
publishDate |
2020 |
url |
https://repository.unair.ac.id/113929/1/Rudi%20P_%20Artikel112_Mobile%20Technologies.pdf https://repository.unair.ac.id/113929/4/Rudi%20Purwono_Peer%20Review112.pdf https://repository.unair.ac.id/113929/3/Rudi%20P_%20Similarity112-Mobile%20technologies.pdf https://repository.unair.ac.id/113929/2/Rudi%20Purwono_Korespondensi112_mobile%20technology.pdf https://repository.unair.ac.id/113929/8/LilikSugiharti_KualitasKaril109.pdf https://repository.unair.ac.id/113929/9/LilikSugiharti_Similarity109_Mobile-Technologies.pdf https://repository.unair.ac.id/113929/10/LilikSugiharti_Similarity109_Mobile-Technologies.pdf https://repository.unair.ac.id/113929/ https://jtde.telsoc.org/index.php/jtde/issue/view/24 https://doi.org/10.18080/jtde.v8n2.253 |
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1764208939717623808 |