The Role Of Digital Financial Services In Accelerating Womens Economic Empowerment In Indonesia: What Is Left To The Learn
Abstrak
Pertumbuhan layanan keuangan digital yang sangat cepat memberikan peluang untuk memajukan kesetaraan gender secara lebih luas. Hal ini karena layanan keuangan digital (LKD) semakin mudah diakses oleh ibu rumah tangga yang tidak memiliki rekening bank. Sehingga dapat digunakan untuk mengurangi disparitas gender dalam mengakses keuangan dan memajukan pemberdayaan ekonomi perempuan (PEP) di dalam rumah tangga dan ekonomi lokal mereka. Penelitian ini bertujuan untuk menguji pengaruh layanan keuangan digital (LKD) terhadap Pemberdayaan Ekonomi Perempuan. Studi ini menggunakan analisis statistik deskriptif. Statistik deskriptif bertujuan untuk memperoleh deskripsi yang lengkap dan akurat tentang suatu situasi serta diperlukan untuk mengidentifikasi distribusi dan perilaku data yang dimiliki. Data sekunder dikumpulkan dari berbagai sumber untuk mempelajari peran layanan keuangan digital di Indonesia seperti 120 perempuan pengguna smartphone, ibu rumah tangga, dan aktif dalam organisasi sosial di Indonesia, seperti pemegang akun yang menggunakan pembayaran digital untuk membayar tagihan listrik, membayar tagihan sepeda motor, dan berbelanja berbagai kebutuhan rumah tangga. Hasil penelitian ini menunjukkan bahwa penggunaan layanan keuangan digital memiliki efek positif dalam mengurangi kesenjangan gender dan penggunaan layanan keuangan digital memiliki efek positif terhadap Pemberdayaan Ekonomi Perempuan.
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