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PENINGKATAN AKSES KEUANGAN MASYARAKAT MELALUI SISTEM KEUANGAN INKLUSIF DI INDONESIA

<p> Perkembangan inklusi keuangan (financial inclusion) didasari dampak krisis kepada kelompok in the bottom of the pyramid yang umumnya tidak tersentuh layanan leuangan (unbanked). Inklusi keuangan (financial inclusion) menjadi kunci dari upaya pemerintah dalam membangun sektor keuangan yang kuat dan inklusif serta mendukung pembangunan yang berkelanjutan di Indonesia.Tujuan penelitian ini adalah untuk mengetahui distribusi layanan sektor perbankan melalui tingkat inklusi keuangan (financial inclusion). Metode yang digunakan pada penelitian ini adalah literature review. Pada penelitian ini terlihat bahwa tingkat Inklusi keuangan (financial inclusion) di Indonesia mengalami perbaikan oleh karena pemberlakuan berbagai regulasi terkait dimana masyarakat pengguna yang memiliki akses layanan keuangan dengan usia di atas 15 tahun mengalami kenaikan dari 20% (2011) menjadi 36% (2014) dan terus meningkat menjadi 48,9% (2017). Apabila dibandingkan dengan negara lain, tingkat Inklusi keuangan (financial inclusion) tersebut adalah yang paling cepat pertumbuhannya bila dibandingkan dengan negara-negara berkembang lain se-kawasan Asia Pasifik. Untuk meningkatkan pemahaman terkait jasa-jasa keuangan dan perbankan harus dilakukan dengan edukasi jasa keuangan dan perbankant terutama edukasi bagi masyarakat yang berpendapatan rendah, kaum wanita serta penduduk di daerah tertinggal yang belum terjangkau dengan layanan keuangan dan perbankan serta dibarengi dengan upaya pemerintah dalam peningkatan infrastruktur fisik sehingga dapat menjangkau masyarakat di berbagi daerah di Indonesia</p>

Stability Analysis of Fixed Points in Forest Biomass Depletion Model

The main focus of this article is to present a model that explains the depletion in forest biomass (B) due to population size (N), population pressure (P), and industrialization (I). This research explores the complex relationship between forest biomass, population growth, and industrialization. The model generates four fixed points that are all non-negative, and they are known as E1, E2, E3, and E*. The article proceeds to analyze the stability of these fixed points in the context of forest biomass depletion. It is discovered that the fixed points E1, E2, and E3 are saddle points and not stable, while the fixed point E* is stable if it meets certain conditions. The article concludes by carrying out numerical simulations to determine the equilibrium point of the model, which shows that forest resource biomass stability declines as population size, population pressure, and industrialization increase. The simulations reveal that population growth results in a depletion in forest resource biomass, while the opposite is true for the positive impact that forest resource biomass on population levels. Consequently, it is essential to regulate population density and industrialization to manage population growth and protect forest resources.

Sainstek: Jurnal Sains dan Teknologi

Financial Inclusion dan Stabilitas Keuangan Di Indonesia

The financial sector has an important role in the economy of a country in the current era of globalization. Financial Technology (Fintech) has changed the financial system to be easier and faster where in the transaction process no longer uses physical money (currency) and demand deposits (demand deposits) or bank accounts, but a number of funds that have been transferred and recognized as balances in the application certain and can be used to carry out financial transactions the same as using physical money (currency) but it is easier and more practical to use a cellular phone and the application.Financial inclusion implemented by the government focuses on increasing financial access for people who have not yet enjoyed the services of formal financial institutions due to barriers to accessing them. Financial inclusion in practice can have both positive and negative impacts. As a positive impact, financial inclusion besides being able to overcome income inequality also has the potential to improve financial stability, this is because the poor's access to savings from formal financial institutions can increase the capacity of households to manage financial vulnerabilities caused by the adverse effects of the crisis, diversify the funding base from institutions. that can reduce shocks during global crises, increase economic resilience by accelerating growth, facilitating diversification, and reducing poverty. The negative impact of financial inclusion is caused by a decrease in credit standards due to financial institutions trying to reach the lower class of the unbankable in the form of a decrease in loan requirements, this can increase the risk of a bank's reputation due to improving financial services facilities in several countries which lower the standard for establishing a financial institution for the region. rural areas, and can cause instability due to immature and sufficient regulation from microfinance institutions.