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

Sartika Djamaluddin

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.
 

Abstrak

Distribusi bantuan sosial melalui sistem non-tunai merupakan terobosan baru yang dilakukan pemerintah untuk meningkatkan efektivitas bantuan dan mempromosikan inklusi keuangan. Penelitian terbaru menyatakan bahwa, pada uji coba sistem non-tunai di tahun 2014, sejumlah penerima bantuan merasa kesulitan mencairkan bantuan dengan sistem tersebut. Mereka hanya menggunakan fasilitas non-tunai untuk mencairkan bantuan saja dan tidak ingin menggunakan sistem tersebut untuk layanan keuangan lainnya. Fakta tersebut dapat menjadi hambatan tercapainya inklusif keuangan. Studi ini bertujuan menyelidiki faktor-faktor apa saja yang memengaruhi persepsi penerima bantuan untuk menggunakan sistem non-tunai. Kami melakukan survei pada 139 penerima bantuan non-tunai di Kabupaten Cirebon, Jawa Barat dan Kabupaten Pasuruan, Jawa Timur. Hasil penelitian menunjukkan bahwa aksesibilitas seperti waktu antrian, waktu perjalanan dan biaya transportasi berpengaruh signifikan terhadap persepsi sistem non-tunai. Persepsi juga bervariasi menurut karakteristik penerima bantuan.

Kata kunci: Bantuan Non-tunai; Transfer; Inklusi Keuangan; Persepsi; Penerima Bantuan

JEL classifications: H31; H55

Keywords

Non-Cash Assistance; Transfer; Financial Inclusion; Perception; Beneficiaries

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