Impact of Financial Inclusion Variables on Financial System Stability in APEC: Upper Middle-Income Country Group

Tristia Khaisal () and Hasdi Aimon
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Tristia Khaisal: Universitas Negeri Padang
Hasdi Aimon: Universitas Negeri Padang

A chapter in Proceedings of the 10th Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-10 2022), 2025, pp 216-224 from Springer

Abstract: Abstract This research seeks to evaluate the influence of financial inclusion on the financial system within the upper-middle-income country group in the APEC region. The study adopts a descriptive and associative research approach, utilizing secondary panel data composed of time series observations from 2013 to 2021 across six countries. A panel regression model serves as the analytical tool for this research. The variables under examination include the financial system, credit card usage, capital adequacy ratios, private sector credit, and interest rates. The findings reveal that credit cards, capital adequacy ratios, private sector credit, and interest rates collectively impact the financial system in APEC countries within the Upper Middle-Income category. Specifically, credit card usage and capital adequacy ratios influence the financial system significantly, while private-sector credit shows a positive yet insignificant relationship. Interest rates, on the other hand, negatively and significantly affect the financial system in this group of countries.

Keywords: Financial System Stability; Credit Card; Capital Adequacy Ratio; Private Sector Credit and Interest Rate (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-839-4_19

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DOI: 10.2991/978-94-6463-839-4_19

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