Open AccessINKLUSI KEUANGAN DAN TEKNOLOGI, P2P LENDING, KEMISKINAN DAN PENGEMBANGAN SUMBER DAYA MANUSIA AGREGAT
Author(s) -
Suryaning Bawono,
Regiiken Wilantari
Publication year - 2021
Publication title -
bisma
Language(s) - English
Resource type - Journals
eISSN - 2623-0879
pISSN - 1978-3108
DOI - 10.19184/bisma.v15i1.21358
Subject(s) - human capital , financial inclusion , investment (military) , poverty , human resources , business , work (physics) , inclusion (mineral) , physical capital , financial capital , economics , finance , economic growth , financial services , political science , engineering , mechanical engineering , gender studies , management , sociology , politics , law
This study aims to find the development of aggregate human resources based on human capital investment in poverty alleviation efforts in Indonesia. The data used is secondary data obtained and processed from the Indonesian Financial Services Authority and the world bank. This study uses a vector error correction model to estimate, simulate, and predict each of the variables studied to provide an overview of the opportunities and threats of technological inclusion and financial inclusion in poverty reduction efforts based on human capital investment in the education-based human capital framework. Inclusion has the potential to be an opportunity to reduce the cost of education so that human capital investment efforts in the framework of education-based human capital work by the poor have a higher chance of success. Financial inclusion support from official P2P lending can also support poor people's capital in investing in human capital, but with low interest and must be close to zero and would be better with zero interest.
Keywords: education, financial inclusion, human resources, P2P lending, poverty alleviation