Indonesia Program

Umi JulaihahPhD Candidate



National Centre for Social and Economic Modelling (NASTEM)


Institute for Governance and Policy Analysis at the University of Canberra

Research Interests

Monetary Policy, Financial, Banking, and Development Economics


The Evaluation of Behavioral Intention to Use Non-Cash Payment Instruments: Enhancing Financial Inclusion in Indonesia


The one of the benefits of non-cash payment is financial inclusion that ensures the poor and remote communities to access financial services at affordable cost. According to literature and empirical studies, non-cash payment usage could lead to financial inclusion then could boost economic growth.  Although the government has promoted National Non-Cash movement and distributed social safety net transfer for the poor via non-cash, some evidence show that the use of non-cash transactions in Indonesia still low. Therefore, it is necessary to identify and evaluate the factors affecting the intention to use non-cash payment in Indonesia.


Assoc Prof. Riyana Miranti (primary supervisor) and Dr. Tesfaye Gebremedhin (secondary supervisor)


Umi Julaihah is a lecturer at  Social Science Education Department, State Islamic University of Malang, Indonesia since 2005. She received  the BSc in Economics from University of Jember, Indonesia (2001) and MSc in Economics from Universitas Gadjah Mada, Indonesia (2004). She got financial support from the Central Bank of Indonesia when she was writing her thesis.

Her main research interests include economic development, banking and financial sector, monetary and public policy. Umi teaches macroeconomics, monetary economics, development economics, and statistics.

Since Umi joins with Education Department, she also interested in school and community empowerment to enhance the learning outcomes. She also becomes an assessor for professional teacher and assessor for school accreditation in East Java, Indonesia since 2011 and 2014 respectively.


  • Master of Science in Economics and Development Studies,  Universitas Gadjah Mada, Indonesia, 2004

  • Bachelor of Economics, University of Jember, Indonesia, 2001

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