STUDI FINANCIAL INCLUSION DAN FINANCIAL DEEPENING DI INDONESIA

Abstract

Financial system to be relatively important in an economy to support economic activities through financial institutions. Financial institutions consist of bank and non-bank in which financial assets be the mastery of the highest occupied by banks in Indonesia. The phenomenon of the low public access to banking and create a strong banking industry is evidence that institutional development is a prerequisite that must be met and supported by appropriate regulation. Both of these phenomenon are financial inclusion and(financial deepening in the financial institution system. The first aim of this study is to measure the financial inclusion and financial deepening through an index and the second is to analyze vis-à-vis the relationship between financial inclusion and financial deepening. The method of analysis used among others are index of financial inclusion and financial deepening and synthesis of Analytic Hierarchy Process (AHP) and Game Theory. The tentative results of calculations on the financial inclusion and financial deepening in Indonesia shows that it is between low and medium level and low level respectively. Also further techniques that collect primary data from respondents who are experts (expert) based synthesis that has been prepared with AHP and Game Theory produces two strategies are playing against inclusion namely banking penetration (BPE) and availability of banking services (ABS) and the strategies used to face the action of inclusion is domestic financial assets (DFA). Under these conditions, the absence of a dominant strategy owned player in the game to face interaction, then there is a good balance point occurs Nash Equilibrium and the Prisoner's Dilemma.