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.