Wilson Rajagukguk, Omas Bulan Samosir, Josia Rajagukguk, Hasiana Emanuela Rajagukguk, Perak Samosir, Ruth Nattassha Napitupulu
Universitas Kristen Indonesia, Universitas Indonesia, Institut Teknologi Indonesia, Universitas Bunda Mulia
The use of financial products/services in Indonesia is growing. And is one of the factors of economic growth. This study aims to investigate the demographic and socio-economic factors that influence the use of financial products/services. The data used are based on the 2023 National Socio-Economic Survey. The object of analysis is the population aged 15 years and over who use at least one financial product/service. There were 241,075,975 respondents in this study, of which 23.17% used at least one financial product/service. The dependent variable is the use of financial products/services. The independent variables used are Gender, Education, Island of residence, Urban/rural, and Marital status. The analysis was carried out using bivariate and multivariate methods. Multivariate analysis using a binary logistic regression model was used in the analysis. The results showed that higher use of financial products/services was associated with being male, college graduates, living in Java, living in urban areas, and being married.
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