Financial Inclusion


25 NOVEMBER 2018

The theme of the upcoming research dive for development is financial inclusion. In 2017, Indonesia scored 49.8% on the Global Financial Inclusion Index, which means that more than half of the Indonesian adult population does not access formal financial services. Factors related to geographic coverage and infrastructure are often cited as the main challenges to financial inclusion, but knowledge gaps remain. At the same time, the digital revolution continues to generate data that provide more opportunities to gain insights on the progress of financial inclusion in Indonesia.

The upcoming research dive for development hopes to contribute to addressing some of the knowledge gaps by enhancing the familiarity of researchers with several data sets, including: household survey data, national socioeconomic survey, and social media data. 



A research dive for development is not a competition but a “collaborative” research event where a small group of researchers get together to explore and analyse the given data sets within the four-day event. The data sets are related to development and humanitarian issues in Indonesia. Upon completing the research, each of the four groups are encouraged to write up a short paper based on the research results. The papers are then compiled into a technical report.

More information on previous research dives for development and the associated technical reports is available here:  



PLJ intends to invite about 16 mid-career researchers from Indonesian universities or research institutions in economics, computer science/information engineering, statistics, geography. In particular, we are interested in the following profiles:

  • Lecturers with a postgraduate degree (master’s or doctorate) with (a) two to seven years of relevant research or teaching experience in areas related to the research tasks, highlighted below, and (b) two or more scientific/ technical publications; or,
  • Researchers pursuing doctoral degrees with two or more scientific/ technical publications in fields related to the research tasks, below; or,
  • Researchers with a doctoral degree in related disciplines but no longer than six years experience post-doctorate.



PLJ invites applicants specifically who can work on the following four research tasks:

  1. Measuring financial literacy and financial inclusion through social media (Main data source: Twitter and Susenas Data)
  2. Measuring financial access through different channels (Main data source : ATM location, Alfamart, Indomaret, and Post Office)
  3. Modelling gender-based differences in financial inclusion (Main data source : household survey data, Susenas data)
  4. Measuring the effect of digital opportunity to financial inclusion (Main data sources: Twitter and Susenas Data)



Each applicant is encouraged to submit:

  • an Expression of Interest (optional but strongly recommended) by 16 October at, and
  • an application (one PDF) by 23.59 WIB on 18 October 2018 through easy chair at this link: Please compile below required documents into a single PDF file and read the guideline carefully before submitting.
    • Curriculum Vitae in English (including year of education, list of research activities and publications, without including any certificates);
    • A recommendation letter in English from anyone familiar with the applicant’s research skills; and,
    • An one-page document in English that clearly explains the applicant’s first and second preference among the four tasks, highlighted above, covering (a) the applicant’s relevant research experience and (b) her/his ideas for potential approaches to tackle the tasks of interest.

PLJ will select the final list of participants (about 16 individuals), based on (a) academic background, (b) research experience including publication records, and (c) the quality/relevance of the applicant’s suggested approaches to data analysis.

PLJ will cover the participants’ expenses including transportation (from outside-Jakarta only), meals and snacks, and accommodation for the duration of the event. However, PLJ will not extend an invitation if a candidate cannot attend the full duration of the event.

Should you have any inquiry, feel free to contact.



As part of the research dive for development, each team is invited not only to present their results at the end of the event, but also to publicise their findings as part of the Technical Reports and their analysis methodologies and toolkits used for producing the results. PLJ strongly encourages the participants to publish the results in academic journals, conferences or workshops.

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