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Socio-economic, information and communication technology, and banking performance for financial inclusion index in Indonesia

The government created a national financial inclusion strategy to improve the Financial Inclusion Index in Indonesia. Financial Inclusion Index of Indonesia in 2013 is 59.74%, 67.8% in 2016 and 69% in 2017. However, the target of the Indonesian President is 75% in 2019. In this study, the author analyses the factors that affect the Financial Inclusion Index. The variables used in this study include socio-economic conditions, information and communication technology (ICT), and banking performance. The method used was descriptive and verification analysis by panel regression analysis. The results have shown that the influencing variables are unemployment rate, internet, and non-performing loans variables.