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Abstract

Since 2014, to reach the poor for increasing financial inclusion, the government of Indonesia has been digitizing social benefits. Recently, local government has also been pushed to build a “Digital Village.” We argue that for such a program to succeed, a good level of financial and digital literacy of the village officials is necessary. We surveyed the village officials in 60 out of 215 Aceh Tamiang to examine their financial, digital, and DFS literacy. We find that the literacy of the village officials, on average, is low. The factors contributing to low financial literacy are age, level of education, and accessibility to financial and digital services.

Bahasa Abstract

Sejak tahun 2014, Pemerintah mendorong inklusi keuangan bagi masyarakat berpendapatan rendah melalui digitalisasi bantuan sosial. Perkembangan terbaru, pemerintah daerah juga didorong untuk membangun “Desa Digital”. Keberhasilan program ini menurut penulis, membutuhkan literasi keuangan dan literasi digital aparatur desa. Studi ini melakukan survei mengenai literasi keuangan, digital, dan keuangan digital dari aparatur desa di 60 desa dari 213 desa di Kabupaten Aceh Tamiang. Hasil penelitian menunjukkan bahwa secara rata-rata tingkat literasi masih rendah, bahkan cenderung kurang. Penelitian ini menemukan bahwa faktor usia, tingkat pendidikan, dan akses terhadap keuangan digital memengaruhi tingkat literasi keuangan aparatur desa.

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