デジタル金融の普及は家計の低炭素ライフスタイルを促進するか？インドネシアからの証拠
Does Digital Finance Adoption Promote Households’ Low-Carbon Lifestyle? Evidence from Indonesia (原題)
Christina Irawadi, Djoni Hartono, Jahen F. Rezki, Harry Aginta
🤖 gxceed AI 要約
日本語
インドネシアの全国代表パネル（SUSENAS 2022–2024、100万世帯超）とCLA-EEIOハイブリッド枠組みを用い、デジタル金融普及が家計炭素排出に与える影響を分析。2SLS等で内生性に対処した結果、デジタル金融は総排出量を増加させ、その増分は購入財・サービスに体化された間接排出に集中。一方で低炭素カテゴリ支出シェアの上昇とエネルギー支出シェアの低下も観察され、クリーンなライフスタイルへの潜在力は示すが総排出削減には未接続と結論。
English
Using nationally representative SUSENAS data (2022–2024, >1M households) and a CLA-EEIO framework with 2SLS/DML-IV, this study finds digital finance adoption raises Indonesian household carbon emissions, driven by indirect emissions in purchased goods and services. Yet it also shifts spending toward lower-carbon categories and reduces energy expenditure share, suggesting untapped potential for cleaner lifestyles without lower total emissions.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
新興国家計の消費金融と炭素排出の関係を定量化した点は、日本の金融機関が海外投融資・トランジション金融を設計する際の参照材料となる。ただしSSBJ・有報・統合報告書など国内開示制度との直接接続は薄い。
In the global GX context
Adds emerging-market household-level evidence to the climate-finance literature, relevant to transition finance debates on whether financial inclusion aligns with decarbonization. It complements TCFD/ISSB disclosure scholarship by quantifying consumption-side (Scope 3-adjacent) emissions in a developing economy.
👥 読者別の含意
🔬研究者:家計消費と金融包摂が炭素排出に与える因果経路を、大規模反復横断データとIV手法で示した実証例として参照できる。
🏢実務担当者:新興国向けリテール金融・ESG商品設計において、金融包摂が排出増につながるリスクを考慮する材料になる。
🏛政策担当者:デジタル金融普及策と気候政策の整合を図る際、間接排出増を緩和するインセンティブ設計の必要性を示唆する。
📄 Abstract（原文）
Digital finance is reshaping household consumption in emerging economies, but its carbon implications remain uncertain. This study examines the effect of digital finance adoption on household carbon footprints in Indonesia using nationally representative SUSENAS repeated cross-sections for 2022–2024, comprising more than one million household observations, and a hybrid Consumer Lifestyle Approach–Environmentally Extended Input–Output framework. Endogeneity is addressed using two-stage least squares. The results show that digital finance adoption increases total household carbon emissions. The increase is concentrated in indirect emissions embodied in purchased goods and services and extends across both basic and non-basic consumption. Channel estimates show that digital finance adoption raises real per-capita consumption and is associated with a greater share of expenditure allocated to relatively low-carbon categories and a lower share of household energy expenditure. This dual environmental pattern suggests that digital finance has the potential to support cleaner household lifestyles, although this potential has not yet translated into lower total emissions. The positive effect is observed across rural and urban households, income groups, and payment- and credit-oriented services. The findings remain robust across alternative measures and estimation approaches, including DML-IV and Kinky Least Squares.
🔗 Provenance — このレコードを発見したソース
- openalex https://doi.org/10.1016/j.iref.2026.105830first seen 2026-09-25 04:42:36
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