Media Wahyudi Askar
This paper explores how access to financial services mitigates poverty during economic crises, with a focus on gender dynamics and urban–rural differences. Using logistic regression analysis and data from the 2020 Financial Inclusion Insights (FII) survey, the study finds that access to loans significantly increases personal income, business creation, and entrepreneurial activity. Notably, women entrepreneurs benefit more from financial access, indicating that gender-sensitive financial inclusion programs can play a pivotal role in poverty reduction.
The research also reveals that the positive effects of financial access are more pronounced in rural areas, where credit availability can stimulate local economies. The author recommends policies promoting inclusive and gender-responsive financial systems to close the urban–rural gap. Strengthening women’s access to credit and rural entrepreneurship programs can unlock economic potential and enhance socioeconomic resilience during crises.
Reference:
Askar, M. W. (2024). Navigating uncertainty: The role of financial access in poverty alleviation during economic crises. Jurnal Kebijakan Pemerintahan, 7(1), 1–17. https://doi.org/10.33701/jkp.v7i1.4303
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