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Accelerating Financial Inclusion through Non-cash Assistance: Exploring Factor Affecting Beneficiaries Perception

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  • Sartika Djamaluddina

    (Universitas Indonesia)

Abstract

Distribution of social assistance through a non-cash system is a new government breakthrough to increase transfer effectiveness and promote financial inclusion. After the pilot project in 2014, the recent study found that there is a number of beneficiaries who feel the non-cash system is difficult. Therefore they use non-cash facilities to get the transfer only and do not want to use for other financial services. This fact could become an obstacle to financial inclusion. This study aims to investigate what factors influence beneficiaries perception to use non-cash system. We conducted a survey of 139 non-cash beneficiaries in Kabupaten Cirebon, West Java and Kabupaten Pasuruan, East Java. The results showed that accessibility such as queue time, travel time and transportation cost had a significant effect on perception of non-cash system. Perceptions also vary according to beneficiary characteristics.

Suggested Citation

  • Sartika Djamaluddina, 2016. "Accelerating Financial Inclusion through Non-cash Assistance: Exploring Factor Affecting Beneficiaries Perception," Economics and Finance in Indonesia, Faculty of Economics and Business, University of Indonesia, vol. 62, pages 152-161, December.
    • Handle: RePEc:lpe:efijnl:201613
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    References listed on IDEAS

    as
    1. Sartika Djamaluddin & Achmad Nizar Hidayanto & Sita Wardhani, 2016. "Perception of beneficiaries towards adoption of e-money in the distribution of social assistance in Indonesia," Economic Journal of Emerging Markets, Universitas Islam Indonesia, vol. 8(1), pages 13-24, April.
    2. Godwin C. Ariguzo & D. Steven White, 2013. "Exploring demographic differences in the adoption of mobile money: M-PESA in Kenya," International Journal of Electronic Marketing and Retailing, Inderscience Enterprises Ltd, vol. 5(4), pages 340-358.
    3. Singh, Supriya, 1999. "Electronic money: understanding its use to increase the effectiveness of policy," Telecommunications Policy, Elsevier, vol. 23(10-11), pages 753-773, November.
    4. Sartika Djamaluddin & Achmad Nizar Hidayanto & Sita Wardhani, 2016. "Perception of beneficiaries towards adoption of e-money in the distribution of social assistance in Indonesia," Economic Journal of Emerging Markets, Universitas Islam Indonesia, vol. 8(1), pages 13-24.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Non-Cash Assistance; Transfer; Financial Inclusion; Perception; Beneficiaries;
    All these keywords.

    JEL classification:

    • H31 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Household
    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions

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