Electronic Money Growth, Financial Inclusion and National Economic Resilience

Elke Florence Getsy Meliala, Adi Zakaria Apiff, Donny Abdul Chalid

Abstract


Indonesia memang telah membuat kemajuan yang signifikan dalam meningkatkan inklusi keuangan digital dalam beberapa tahun terakhir, berkat dukungan dari pemerintah, sektor swasta, dan inovasi teknologi. Memperluas Layanan Keuangan Digital (LKD) untuk mencakup rumah tangga pra sejahtera dan yang tinggal di pedesaan merupakan langkah yang positif untuk meningkatkan inklusi keuangan dan mendukung pengentasan kemiskinan. Penelitian ini bertujuan untuk melihat bagaimana perkembangan keuangan digital dan inklusi keuangan di Indonesia, serta memahami bagaimana kaitannya dengan ketahanan nasional dalam hal kestabilan ekonomi. Metode yang digunakan dalam penelitian ini adalah analisis deskriptif eksploratif mengenai perkembangan uang elektronik di setiap daerah, dengan pendekatan kualitatif menggunakan data sekunder yang diperoleh dari laman Bank Indonesia (BI) dan dari laman Otoritas Jasa Keuangan (OJK) serta sumber-sumber literatur lainnya. Hasil penelitian menunjukkan bahwa LKD melalui uang elektronik memiliki pengaruh positif untuk dapat membantu meningkatkan inklusi keuangan yang pada akhirnya akan memberikan kestabilan pada ekonomi.


Keywords


Inklusi Keuangan; Ketahanan Ekonomi Nasional; Layanan Keuangan Digital; Uang elektronik

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DOI: https://doi.org/10.17509/jrak.v12i1.68039

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