Keuangan Inklusif Melalui Kredit dan Simpanan Terhadap Profitabilitas Bank Umum di Indonesia Periode 2011 - 2019

M HELMI PATRIA D, Muhammad Edhie Purnawan, M.A., Ph.D,

2020 | Skripsi | S1 ILMU EKONOMI

Keuangan Inklusif menjadi salah satu kebijakan yang banyak dilakukan di berbagai negara. Hal ini dikarenakan keuangan inklusif sebagai strategi pendorong pertumbuhan ekonomi dan juga dapat membasmi kesenjangan antar masyarakat. Namun di pada kasus perbankan Indonesia, Keuangan inklusif dengan program kredit dan simpanan, memiliki pengaruh terhadap profitabilitas bank umum. Skripsi ini menunjukan bahwa keuangan inklusif melalui program kredit berpengaruh positif sedangkan keuangan inklusif melalui program simpanan berpengaruh negatif terhadap profitabilitas bank umum di Indonesia.

Financial Inclusion is one of the many policies carried out in various countries. This is because financial inclusion is a strategy to drive economic growth and can also eradicate differences between communities. However, in the case of Indonesian banking, financial inclusion with credit and savings programs has an interest in the profitability of commercial banks. This thesis shows that financial inclusion through credit programs has some positives impact while inclusive finance through a savings programs are negatively affects the profitability of commercial banks in Indonesia.

Kata Kunci : Keuangan Inklusif, Program Kredit, Program Simpanan, Profitabilitas bank