ABSTRACT

Many studies at the macro-level have proved the direct influence of savings and credit on poverty reduction. This study aimed to correct this finding and employed commercial banks as the research case because most poor people had major barriers to directly access services provided by commercial banks. This study revealed that savings did not affect poverty reduction by employing panel data composed from provinces in Indonesia from 2004 to 2018. This finding indicated that the poor people did not prefer commercial banks for saving their money which functions as an instrument for their fund accumulation or emergency savings. On the contrary, this study proved that the credit of commercial banks affected regional poverty. Besides, this study revealed that poverty among regions in Indonesia was heterogeneous. The regions with more developed banking infrastructures do not automatically have a low poverty rate. Therefore, anti-regional poverty policy should focus on commercial bank reinforcement as intermediary institutions and regional aspects.

摘要

许多宏观层面的研究证明了储蓄和信贷对减贫的直接影响。本研究旨在纠正这一发现，并采用商业银行作为研究案例，因为大多数穷人在直接获得商业银行提供的服务方面存在重大障碍。本研究通过使用 2004 年至 2018 年印度尼西亚各省的面板数据显示，储蓄并未影响减贫。这一发现表明，穷人不喜欢商业银行将其储蓄作为其资金积累或工具的工具。紧急储蓄。相反，本研究证明商业银行的信用对区域贫困有影响。此外，这项研究揭示了印度尼西亚地区之间的贫困是异质的。银行基础设施较发达的地区不会自动降低贫困率。因此，反区域贫困政策应着眼于商业银行作为中介机构和区域方面的强化。