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September 16, 2025Wacana Jurnal Sosial dan HumanioraOpen Access

Financial Inclusion and Poverty Alleviation in East Java: Evidence From SUSENAS 2023 With a Two-Stage Residual Inclusion (2SRI) Approach

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Authors

ASAhmad SyaifullahMKMoh. KhusainiFFFaishal Fadli

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Overview

Analysis shows financial inclusion significantly reduces poverty risk in East Java, highlighting digital services and bank account ownership.

Key Points

  • Financial inclusion significantly reduces households' probability of poverty, with access to services being crucial.
  • Access to digital financial services reduces poverty risk by 10.9%, while bank account ownership decreases it by 6.4%.
  • Access to credit without financial literacy increases poverty risk by 24.7%, indicating potential negative consequences.
  • The study underscores the need for improved financial literacy and equitable service distribution to enhance poverty alleviation.

Cite This Study

Syaifullah et al. (2025) studied this question.

synapsesocial.com/papers/68d42321713b0b5dfea6ae83https://doi.org/10.21776/ub.wacana.2025.028.03.03
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

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  4. 4THE EFFECTS OF FINANCIAL DEVELOPMENT AND FINANCIAL INCLUSION ON POVERTY ALLEVIATION2025
  5. 5The Effect of Financial Literacy on Financial Inclusion in Sustaining Indonesia SMEs Growth2023