Munich Personal RePEc Archive

Peningkatan Keuangan Inklusif Melalui Program Keluarga Harapan

Ngasuko, Tri Achya (2018): Peningkatan Keuangan Inklusif Melalui Program Keluarga Harapan. Published in: Seri Analisis Kebijakan Fiskal , Vol. 1, No. Dinamika Kebijakan Belanja Bantuan Sosial (1 November 2018): pp. 95-117.

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A high level of population inequality usually accompanies the high poverty rate. Indonesia has various ways to solve this problem. The government is always trying to continuously and simultaneously prepare and implement programs to solve these problems. The Indonesian Conditional Cash Transfer Programme (Program Keluarga Harapan/ PKH) recipients increase to 10 million recipients in 2018. However, this program will not always be given to the recipients. Households that receive this program are expected to increase their welfare in the six years since receiving PKH funds. Logically, if a family has finished and graduated from the PKH program, it means that PKH recipients are relatively more prosperous compared to the previous situation. With more prosperity, they may have the potential to have an income that will ultimately have the ability to save, for example, in some formal financial institutions, banks. By using Susenas 2017 data, this paper will try to fill the knowledge gap about the extent of the contribution of PKH families who have graduated to increase financial inclusion. This study uses secondary data from Susenas in 2017 produced by BPS. The results of the study show that PKH program recipients based on 2017 Susenas data are 4.1 million. Of these, it turns out there are 327,437 households that ultimately do not get any more PKH program funding, or they have graduated. Basically, there are no specific targets for channeling PKH funds that will contribute specifically to increasing financial inclusion. However, data from Susenas on PKH graduation families can access formal financial institutions in the form of savings in banks even though in a limited amount. Of the 327,427 households that have graduated from the PKH program, only about 29% or around 94 thousand families have and access formal financial services. In the end, compared to the total number of families in Indonesia of 69.3 million families, the contribution of PKH graduation families to financial inclusion is only about 0.13%.

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