Electronic Theses and Dissertation

Abstrak judul : keterkaitan literasi keuangan dan inklusi keuangan terhadap tabungan masyarakat antarprovinsi di indonesia: analisis data panel nama : hafizatun nissa npm : 2201101010037 program studi/fakultas : ekonomi pembangunan / ekonomi dan bisnis pembimbing : - dr. muhammad nasir, s.e.,m.si., m.a : - dr. sartiyah, s.e., m.si konsentrasi : ekonomi moneter penelitian ini bertujuan menganalisis keterkaitan literasi keuangan dan inklusi keuangan dengan tabungan masyarakat antarprovinsi di indonesia, dengan produk domestik regional bruto atas dasar harga berlaku (pdrb adhb) sebagai variabel kontrol. tabungan masyarakat diproksikan melalui total dana pihak ketiga (dpk) rupiah dan valuta asing, sedangkan pdrb adhb digunakan untuk mengendalikan perbedaan skala nominal perekonomian antarprovinsi. penelitian menggunakan data panel pada 33 provinsi tahun 2019 dan 2022 dengan jumlah 66 observasi. data bersumber dari otoritas jasa keuangan dan badan pusat statistik. analisis dilakukan menggunakan regresi data panel melalui uji chow, uji hausman, dan uji lagrange multiplier. model yang terpilih adalah random effect model. pengujian signifikansi dilakukan menggunakan white period robust standard errors dengan cross-section clustering. hasil penelitian menunjukkan bahwa literasi keuangan memiliki keterkaitan positif, tetapi belum signifikan secara statistik dengan tabungan masyarakat, inklusi keuangan juga memiliki keterkaitan positif, tetapi belum signifikan secara statistik, sementara itu, pdrb adhb memiliki keterkaitan positif dan signifikan secara statistik dengan tabungan masyarakat. hasil ini menunjukkan bahwa skala aktivitas ekonomi daerah berkaitan lebih kuat dengan penghimpunan dana perbankan dibandingkan literasi dan inklusi keuangan. kata kunci: literasi keuangan, inklusi keuangan, tabungan masyarakat, pdrb adhb, data panel.

ABSTRACT Judul : The Relationship Between Financial Literacy and Financial Inclusion and Household Savings Across Provinces in Indonesia: A Panel Data Analysis Nama : Hafizatun Nissa NPM : 2201101010037 Program Studi/Fakultas : Economic Development / Economics and Business Pembimbing : - Dr. Muhammad Nasir, S.E.,M.Si., M.A : - Dr. Sartiyah, S.E., M.Si Konsentrasi : Monetary Economics This study aims to analyze the relationship between financial literacy and financial inclusion and household savings across provinces in Indonesia, using Gross Regional Domestic Product at Current Prices (GRDP at Current Prices) as a control variable. Household savings are proxied by total third-party funds (DPK) in rupiah and foreign currency, while GRDP at Current Prices is used to control for differences in the nominal scale of the economy across provinces. The study uses panel data from 33 provinces for the years 2019 and 2022, comprising a total of 66 observations. The data were sourced from the Financial Services Authority and the Central Statistics Agency. The analysis was conducted using panel data regression via the Chow test, the Hausman test, and the Lagrange multiplier test. The selected model was the Random Effects Model. Significance testing was performed using White’s period-robust standard errors with cross-section clustering. The results indicate that financial literacy has a positive, though not yet statistically significant, relationship with household savings; financial inclusion also has a positive, though not yet statistically significant, relationship; meanwhile, the Gross Regional Domestic Product (GRDP) per capita has a positive and statistically significant relationship with household savings. These findings suggest that the scale of regional economic activity is more strongly associated with bank deposit mobilization than financial literacy and financial inclusion. Keywords: Financial Literacy, Financial Inclusion, Household Savings, GRDP at Current Prices, Panel Data.