Abstrak

The aims of the study are to discover factors influencing financial inclusion adoption in Indonesia for realizing justice and welfare. Islamic financial inclusion (IFI) is totally different with Alliance Financial Inclusion (AFI). IFI focus to empowerment while AFI focus to loan. For this purpose, the survey has involved 200 stakeholders who concern to financial inclusion development such as scholars, academicians, government servants; public leaders, NGO’s, and businesses by sent the questionnaires. A hundred respondents were considered as qualified data, and then the data were analyzed by using SPSS statistical tool via frequency analysis, factor analysis, reliability test and descriptive analysis. From factor analysis it was found that there were five factors namely institutions and infrastructures (X1), government concern and policy (X2), regulations, cultures and values (X3), financial products and services (X4), natural barriers (X5) that influenced the financial development in Indonesia. Descriptive analysis on the other hand found that government concern and policy was the most influential factors followed by regulations, cultures and values, natural barriers, financial products and services, and Institutions and Infrastructures. The implication of this study provides advantage to stakeholders or any party who involve in the financial inclusion development. This study revealed that the role of government concern is very central and regulations, cultures and values will support the implementation support. For future research is needed to build a model the relation among founded variables, by enhancing number of samples, scope, area, and location. 

Keywords: Islamic Financial Inclusion, Poverty Alleviation, Government Policy and Concern.