IMPACT OF INCREASING OF FREQUENCY OF TRANSACTION IN BRANCHLESS BANKING PROGRAM TOWARDS HOUSEHOLDS BUSINESS ACTIVITIES

Mangani, Ktut Silvanita and Syaukat, Yusman and Arifin, Bustanul and Tambunan, Mangara (2017) IMPACT OF INCREASING OF FREQUENCY OF TRANSACTION IN BRANCHLESS BANKING PROGRAM TOWARDS HOUSEHOLDS BUSINESS ACTIVITIES. In: PROCEEDING The 18th Malaysia Indonesia International Conference on Economics, Management and Accounting (MIICEMA). Malaysia Indonesia International Conference on Economics, Management and Accounting (MIICEMA), IPB International Convention Centre, Bogor Indonesia.

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Abstract

This study aims to analyze the economic behavior of business activities of household business actors who conduct their financial transactions through Agent in the branchless banking program, namely how the impact of changes in frequency and value of transactions on economic behavior. The model of the household economic behavior of business activities on a branchless banking system is based on a dynamic household economic model. A sample of BB Agent and the business household is determined by using purposive sampling method. Data collected from Bogor District, consist of 13 Sub-districts. Data were analyzed by the 2SLS method. The results indicate that the increase in frequency and value of transactions at BB Agent has a negative impact on investment, size of business, and credit. Therefore, it can be concluded that if a branchless banking program focuses only on increasing the frequency of transactions, it will have an impact on the sustainability of household business in the long term.

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