inclusion of men and women. Along with that the study also drew the neglect of the government toward the usage side of the women …

Many reforms have taken place in Indonesia following the Asian financial crisis of 1997 - 1998. The government has …, economic, and political areas, Indonesia has seen much progress. Wide reforms have been carried out in all areas of governance … paper examines the shift in Indonesia's national economic development strategy from its "exclusive" orientation during the …

analyses. While the advent of mobile phone money services has led to increased access to formal financial services, women still … empirical results show that women-especially married women-are less likely to access mobile money services and banking financial … services compared with men. Similarly, women are less likely to save and borrow compared with men, with a higher percentage …