Do the Poor Choose Financial Inclusion? A Special Case Study of Simeulue Regency

This study analyzes the factors that determine financial inclusion in Simeulue Regency, Aceh Province, using household survey data with a sample of 383 households. There are two methods of analysis used in this study, namely factor analysis and cross-tabulation. The estimation results show that the variables that influence financial inclusion are gender, education level, and employment status. Meanwhile, employment status, poor status, and education level have a significant effect on financial inclusion. Furthermore, women have more influence than men. Financial institutions and banks need to take advantage of women’s influence in increasing financial inclusion in this area.