Determinan Inklusi Keuangan dan Perilaku Precautionary Savings: Analisis Komparatif Gender Lintas Negara

Fitri Amalinda Harahap; Indrawan Firdauzi; Anggrainy Putri Ayuningrum

doi:10.55338/jumin.v7i1.8354

Authors

Fitri Amalinda Harahap, Unversitas Jenderal Soedirman, Indonesia
Indrawan Firdauzi, Unversitas Jenderal Soedirman, Indonesia
Anggrainy Putri Ayuningrum, Universitas Pekalongan, Indonesia

DOI:

https://doi.org/10.55338/jumin.v7i1.8354

Keywords:

Inklusi Keuangan, Gender Gap, Kredit Formal, Dana Darurat, Global Findex, Regresi Logistik

Abstract

Penelitian dilakukan untuk mengetahui peran gender dan faktor sosio-ekonomi terhadap inklusi keuangan dalam skala global. Data yang digunakan bersumber dari Global Financial Inclusion (Global Findex) Database 2021 yang mencakup 148 negara dengan level data mikro, penelitian ini menganalisis dua dimensi inklusi keuangan: akses terhadap kredit formal dan kepemilikan dana darurat. Analisis data dilakukan dengan metode Regresi Logistik biner dengan pembobotan survei untuk memastikan representasi populasi global. Hasil analisis secara empiris menunjukkan temuan yang cukup berbeda dengan pandangan tradisional mengenai eksklusi perempuan dalam hal inklusi keuangan. Hasil secara statistik menunjukkan bahwa perempuan terbukti memiliki probabilitas yang signifikan lebih tinggi dibandingkan laki-laki, baik dalam mengakses kredit formal maupun dalam menyediakan dana darurat. Selain gender, tingkat pendidikan dan pendapatan rumah tangga juga terbukti sebagai determinan struktural yang positif dan signifikan. Hal ini mengindikasikan bahwa perempuan memiliki perilaku keuangan yang lebih berhati-hati dan menjadi target pasar yang potensial bagi lembaga keuangan. Implikasi kebijakan yang dapat dilakukan adalah penguatan produk keuangan berbasis gender dan peningkatan literasi keuangan sebagai kunci perluasan akses.

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