Synergizing Bank Assets Concentration, Literacy, and Inclusion: A Path to Financial Stability

This study aims to analyze the integration capabilities between bank asset concentration, financial literacy, and financial inclusion in maintaining financial stability in Indonesia. This study employs ECM analysis methodologies to ascertain both the enduring and immediate effects. The research findings indicate that bank asset concentration is highly efficient in preserving the stability of the financial system. Furthermore, its effectiveness can be enhanced by implementing initiatives to enhance financial literacy. This endeavor may not yield immediate results in the near term, but it is a sustained and ongoing effort with long-term implications.