DAFTAR PUSTAKA
Aizcorbe, Ana M,. Arthur, B Kennickell., Kevin, B Moore. 2003. Recent in US Family Finances: Evidence from the 1998-2001 Survey of Consumer Finances. Federal Reserve Bulletin Allen, Franklin., Kunt, Asli Demirguc., Klapper, Leora., Martinez Peria, Maria Soledad. 2012. The Foundations of Financial Inclusion, Understanding Ownership and Use of Formal Account. The World Bank Beck,T A., Kunt, Asli Demirguc., dan R, Levine. 2007.
Reaching out:Access
to and use banking service across countries. Journal of Financial Economics 85, 234-66 Bank Indonesia. 2014. Booklet Keuangan Inklusif ____________ 2015. Statistik Ekonomi Keuangan Daerah Sumatera Barat. vol 15 no 12 Desember 2015 Bank Pundi.
2016.
Mendukung
Program
Keuangan
Inklusif
Melalui
Pemberdayaan Sektor UMKM, http://www.bankpundi.id /berita/mendukungprogram
keuangan
inklusif
melalui-pemberdayaan-sektor-umkm.html
[diakses 12 Maret 2016] [BPS] Badan Pusat Statistik Sumbar. 2015. Sumatera Barat dalam angka.Padang Burkett, I and Sheehan, G. 2009. From the margins to the
mainstream: The
Challenges for microfinance in Australia Brotherhood of St Laurence and Foresters Community Finance. Byrne,
Alystair. dan
Utkus,
Stephen P. 2013.
Behavioural
Finance
Understanding How The Mind Can Help Or Hinder Investment Success. Vanguard Asset Management Chakravarty, Satya
R. dan
Pal
Rupayan. 2010.
Measuring
Financial
Inclusion : An Axiomatic Approach. Indira Gandhi Institute of Development Research (IGIDR). Mumbai India Chami, R., C. Fullenkamp, and S. Sharma. 2009. A Framework
for
Financial
1
Market Development, IMF Occasional Paper No. WP/09/156 (Washington: International Monetary Fund, July). Cheng X, Degryse H. 2006. The
Impact of Bank
and
Non-Bank
Financial
Institutions on Local Economic Growth in China Dinas Kehutanan. 2012. Profil Kehutanan. Provinsi Sumatera Barat Dinas Perhubungan.
2009. Pengembangan data
perhubungan darat provinsi
Sumatera Barat. Departemen perhubungan direktorat jendral perhubungan darat Finansialku.
2014. 5
Perilaku
Mengelola
Keuangan
yang
Sehat,
http://www.finansialku.com/5-perilaku-mengelola-keuangan-yangsehat/ [diakses 15 Maret 2016] Ghozali, Imam. 2011. Aplikasi Analisis Multivariate dengan
Program SPSS.
Semarang: Badan Penerbit Universitas Diponegoro Gitman,
Lawrence J. 2002.
Principles
of
Managerial
Finance,
edisi
sepuluh .Massachusetts: Addison - Wesley Publishing Company Goswami, M. and S. Sharma, 2011. The Development of Local Debt MarketsIn Asia. IMF Occasional Paper No. WP/11/132 (Washington: International Monetary Fund, June) Hannig, Alfred.,
Jansen, Stefan.
2010. Financial
Inclusion
and
Financial
Stability:Current Policy Issues. Asian Development Bank Institute (ADBI) Working Paper series Hilgert, Marianne A., Hogarth,
Jeanne M., Baverly Sondra G. 2003. Household
Financial Management: The Connection between Knowledge and Behavior. The University of Kansas Ida dan Dwinta, Cinthia Yohana. 2010. Pengaruh Locus of Control, Financial Knowledge, Income terhadap Financial Management Behavior. Jurnal Bisnis dan Akuntansi. Vol. 12, No. 3, Desember 2010, Hal. 131-144 Jannah, Richatul. 2014. Analisis Faktor- Faktor
yang
Mempengaruhi
Carbon
2
Emission Disclosure pada Perusahaan di Indonesia (Studi Empiris pada Perusahaan yang Terdaftar di Bursa Efek Indonesia Periode 2010-2012. [Skripsi] . Semarang Fakultas Ekonomi dan Bisnis Universitas Diponegoro. Jha, Barun Kumar. 2014.
Financial
inclusion: The Indian
Perspective. Indian
Journal of Research PARIPEX Volume 3 Jinhee,Kim. 2000.The Efffects of
Workplace Financial
Education on Personal
Finances and Work Outcomes. Virginia Tech Katti, VP. 2014.
Evaluation of Financial
Inclusive Drives- A
Case Study.
International Journal of Innovative Research in Science,Engineering and Technology Kemendagri. 2015. Jumlah Penduduk Sumatera Barat tahun 2015. Kunt, Asli Demerguc, Beck T, Honohan P. 2008. Finance for All? Policies and Pitfalls in Expanding Access. Washington, DC (US): World Bank. ________________
Klapper, Leora. 2012. Measuring Financial Inclusion The
Global Findex The World Bank Development Research Group Finance and Private Sector Development Team _______________________________ Singer, Dorothe., Oudheusden, Peter Van. 2014. The Global Findex Database 2014 Measuring Financial Inclusion around the World. The World Bank Lapukeni, Angella Faith. 2015. Financial Inclusion, ICBT and the roleof ICT in COMESA. Advance Economic and business 3(12): 529 537 Latan,Hengki. 2014. Aplikasi Analisis Data Statistik untuk Ilmu Sosial Sains dengan STATA. Bandung: Alfabeta. Leeladhar V .2005.
Taking
Bankinng Service to the common
man-financial
inclusion. Fedbank Hormis Memorial Foundation Commemorative Lecture, Ernakulam Leyshon A. and
Thrift N. 1995.
Geographies of
Financial
Exclusion:
Financial Abandonment in Britain and the United States. Transactions of the Institute of British Geographers
3
Nababan,
Darman
Literacy
dan
Sadalia
Isfenti. 2013. Analisis Personal
Financial
dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi
Universitas Sumatera Utara. Jurnal Fakultas Ekonomi Universitas Sumatera Utara Prud’homme, Remy. 1995. The dangers of decentralization. The World Bank Research Observe R, Sachindra G. 2013. Need for Financial Inclusion and challenges ahead –an Indian Perspective. IOSR Journal of Business and Management (IOSR-JBM) Rakhmindyarto dan Syaifullah.
2014. Keuangan
Inklusif
dan Pengentasan
Kemiskinan. Badan Kebijakan Fiskal Kementerian Keuangan Rangrajan Committee. 2008.Report of the committe o financial inclusion.Government of India S, Ardiani Ika .2011.Personality Traits sebagai Penentu Perencanaan Keuangan Keluarga (Suatu Kajian Pustaka). Ragam Jurnal Pengembangan Humaniora Vol. 11 No. 2 Santoso, Bagus. 2013. Final Report Developing
Indonesian Financial Literacy
Index. DEFINIT Asia Sarah,
Nannyanzi. (2009).Financial Knowledge, LocusOf Control, Culturalvalues And Financial Behaviour Among New Vision Employees. Thesis, University Kampala
Sarma, Mandira. 2010. Index of
Financial
Inclusion. Discussion papers10-05
in economics Centre for International Trade and Development School of International Studies Jawaharlal Nehru University India ____________ 2012. Index of
Financial
Inclusion – A measure of
financial
sector inclusiveness. Berlin Working Papers on Money, Finance, Trade and Development Sekaran, Uma. (2006).Research Methods For Business buku 1. Edisi keempat. Jakarta: Salemba Empat _________________ Research Methods
For Business
buku 2.
Edisi keempat.
Jakarta: Salemba Empat
4
Setiawan, Moh
Agung. 2014. Analisis Keterkaitan Inklusi Keuangan Terhadap
Perilaku Keuangan Personal Masyarakat di Wilayah Kota dan Kabupaten Provinsi Jawa Timur. Jurnal Fakultas Ekonomi dan Bisnis Universitas Brawijaya. ___________. 2014. Implikasi Program Financial Inclusion
terhadap Financial
Literacy Masyarakat dalam Pengelolaan Keuangan Personal melalui Unit Perantara Layanan Keuangan (UPLK) atau Branchless Bankin. Laporan Praktek Kerja Lapangan Kantor Perwakilan Bank Indonesia Malang Sewell, Martin. 2010. Behavioural Finance. University of Cambridge Simamora, Novita. 2014. Ini Alasan Masyarakat Belum Memiliki Akses Ke Bank..
http://finansial.bisnis.com/read/20141107/90/271150/
masyarakat-belum-
ini-alasan
memiliki-akses-ke-bank, [diakses 8 Maret 2016]
Sudarmanto, Gunawan. 2005. Analisis
Regresi
Linear Ganda
dengan
SPSS.
Yogyakarta: Graha Ilmu Tama, Cintya Meidia. 2015. Studi Financial Inclusion
dan Financial Deepening
di Indonesia. [Skripsi]. Fakultas Ekonomi Universitas Jember Tim Penyusun. 2011. Modul EViews 6. Unit Pengembangan Fakultas Ekonomika Universitas Diponegoro Tim Skripsi FKUnand.2015.Pedoman Umum Penulisan Skripsi Mahasiswa. Fakultas Kedokteran Universitas Andalas Ummah, Bintan Badriatul. 2013. Analisis Keterkaitan Inklusi Keuangan Dengan Pembangunan di ASIA. [Skripsi]. Bogor. Fakultas Ekonomi dan Manajemen Institut Pertanian Bogor Universitas Andalas. 2014.Panduan Penulisan Ilmiah dan Kepustakaan. Program Pasca Sarjana Universitas Andalas. Padang Winarno,Wing Wahyu. 2015. Analisis Ekonometrika dan Statistika dengan EViews Edisi 4. Yogyakarta: UPP STIM YKPN Xiao, J. J., S. Shim, B. Barber, and A. Lyons. 2007. Academic Success and Well-
5
Being of College Students: Financial Behaviors Matter. Tucson, AZ: Take Charge American Institute for Consumer Financial Education and Research, The University of Arizona. Zahroh, Fatimatus. 2014.
Menguji
Tingkat
Pengetahuan
Keuangan, Sikap
Keuangan Pribadi, Dan Perilaku Keuangan Pribadi Mahasiswa Jurusan Manajemen Fakultas Ekonomika Dan Bisnis Semester 3 Dan Semester 7. [Skripsi]. Semarang. Fakultas Ekonomika dan Bisnis Universitas Diponegoro
6
