Analisis Pengaruh Literasi Keuangan, Financial Technology, dan Demografi terhadap Inklusi Keuangan pada Masyarakat di Kota Surabaya

Sari, Adinda Novita; Kautsar, Achmad

doi:10.26740/jim.v8n4.p1233-1246

Cited by 30 publications

(47 citation statements)

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“…Millennials who have done good financial planning, pay attention to long-term personal financial goals, make considerations in choosing financial services, can deal with money wisely by choosing to save it for the long term, and understand financial knowledge related to asset diversification will increase the use, utilization, and understanding of financial products and services followed by an increase in financial inclusion. These results are in line with (Sari and Kautsar, 2020) and (Bongomin et al, 2016) proving that financial literacy increases awareness, choices, and better individual financial decisions it can lead to increased access and use of financial services.…”

Section: Financial Inclusion Investment Behavioursupporting

confidence: 79%

The Influence of Financial Literacy and Financial Inclusion on Saving and Investment Behaviour for Millennial Generation in DKI Jakarta

Viana¹,

Purwanto²,

Farah³

2023

TIJAB

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Background: In 2019, financial literacy level in Indonesia was only 38,03%, while the financial inclusion rate was 76,19%. Financial literacy and inclusion levels related to saving that are identical to the banking sector have the highest values, with 36,12% and 73,88%, while investment in capital market has the second lowest values, at 4,92% and 1,55%. However, the ratio of gross savings to gross domestic product in Indonesia was reported only at 31,01%, while several other Asian countries reached more than 40%. Objective: This study aims to measure the level of financial literacy and inclusion of millennial generations in DKI Jakarta. It analyses the influence of financial literacy and inclusion on saving and investment behaviour, the influence of financial literacy on financial inclusion, and the influence of saving behaviour on investment behaviour. Method: The data analysis used descriptive and SEM-PLS analyses. Results: The results show that the financial literacy rates and the average of inclusion rates of millennial generation in DKI Jakarta are 50% and 60% respectively. Financial literacy and inclusion have an influence on saving and investment behaviour. Also, financial literacy affects financial inclusion, while the saving behaviour does not influence investment behaviour. Conclusion: Financial literacy and inclusion have a positive and significant effect on saving behaviour and investment behaviour. Financial literacy also has a positive and significant effect on financial inclusion. However, saving behaviour does not have a significant effect on investment behaviour. Keywords: financial inclusion; financial literacy; investment behaviour; millennial generation; saving behaviour

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Section: Financial Inclusion Investment Behavioursupporting

confidence: 79%

The Influence of Financial Literacy and Financial Inclusion on Saving and Investment Behaviour for Millennial Generation in DKI Jakarta

Viana¹,

Purwanto²,

Farah³

2023

TIJAB

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“…The same result was revealed by Sari & Kautsar, (2020) that the achievement of financial inclusion is strongly influenced by the level of understanding and skills of a person's financial management so that they can access financial products and services wisely. As noted by Andyni & Kurniasari (2021) that the more financially literate a person is, the more actively involved in financial activities, for example in the use of financial products and services.…”

Section: The Effect Of Digital Economy Literacy On the Ability To Use...supporting

confidence: 55%

Fintech Payment Ability for Msme Activities of the Baby Boomers Generation in South Tangerang City

2022

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Advances in technology in the financial sector, namely fintech payments in the current digital era, can be a challenge to adapt in everyday life. And it is undeniable that the generation that grew up with technology has very different expectations and experiences in using digital media than previous generations. This study aims to determine the effect of digital economic literacy and financial inclusion on the ability to use fintech payments through financial inclusion for the MSMEs of the baby boomers generation based on valid data. Data collection was carried out in this study using quantitative techniques with data analysis techniques Path Analysis through questionnaires. The number of samples studied were 160 SMEs of the baby boomers generation in South Tangerang City in 2022. The research variable data was in the form of primary data consisting of the ability to use fintech payments (Y), digital economic literacy (X1) and financial inclusion (X2). The results of the study show that digital economic literacy has a positive effect on the ability to use fintech payments; financial inclusion has a positive effect on the ability to use fintech payments; digital economic literacy has an indirect effect on the ability to use fintech payments through financial inclusion.

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“…Penelitian lainnya menjelaskan bahwa inklusi keuangan dipengaruhi secara dominan oleh literasi keuangan. Secara inklusif pencapaian inklusi keuangan dipengaruhi oleh tingkat keterampilan dan persepsi dimana masyarakat dapat mengakses layanan keuangan dengan bijak (Hutabarat, 2018;Sari & Kautsar, 2020). Keputusan manajemen keuangan yang tepat untuk produktivitas kerja UMKM dan sustainability untuk perusahaan dipengaruhi oleh literasi keuangan yang baik (Kusuma, 2020).…”

Section: Pendahuluanunclassified

Financial technology (fintech) dalam inklusi keuangan umkm kota Banjar di masa pandemi covid-19

Munawar

Rosyadi

Rahmani

2022

INOVASI: Jurnal Ekonomi, Keuangan dan Manajemen

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AbstrakTujuan penelitian ini adalah untuk mengetahui perkembangan Financial Technology (fintech) dalam inklusi keuangan UMKM Kota Banjar, hambatan yang mempengaruhi perkembangan Financial Technology (Fintech) serta upaya dalam meningkatkan inklusi keuangan UMKM Kota Banjar di masa Pandemi Covid-19. Pendekatan penelitian yang digunakan yaitu pendekatan kualitatif dengan metode deskriptif, instrumen penelitian melalui wawancara dan kuesioner. Responden penelitian sebanyak 30 informan sebagai pelaku UMKM yang telah melakukan fintech dalam transaksi pembayaran, teknik pengambilan sampel dengan purposive sampling. Teknik analisis data menggunakan reduksi data, penyajian data dan kesimpulan. Hasil penelitian menunjukkan pemilik UMKM di Kota Banjar dimana seluruh indikator dan deskripsi jawaban responden rata-rata berada dalam kategori tinggi artinya indikator peran fintech dalam inklusi keuangan di Kota Banjar pada saat ini menjadi metode transaksi yang diminati oleh pengguna yang telah mengenal fintech seperti platform Ovo, Dana, Gopay karena menurut pelaku UMKM dengan fintench dapat menghemat biaya transaksi, dapat menghemat waktu, efisien, mempermudah dan memperlancar transaksi. Kata kunci: financial technology (fintech); inklusi keuangan; usaha mikro, kecil, dan menengah (UMKM); pandemic covid-19. Financial technology (fintech) in financial inclusion msmes in Banjar city in the time of the covid-19 pandemic

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Analisis Pengaruh Literasi Keuangan, Financial Technology, dan Demografi terhadap Inklusi Keuangan pada Masyarakat di Kota Surabaya

Cited by 30 publications

References 0 publications

The Influence of Financial Literacy and Financial Inclusion on Saving and Investment Behaviour for Millennial Generation in DKI Jakarta

The Influence of Financial Literacy and Financial Inclusion on Saving and Investment Behaviour for Millennial Generation in DKI Jakarta

Fintech Payment Ability for Msme Activities of the Baby Boomers Generation in South Tangerang City

Financial technology (fintech) dalam inklusi keuangan umkm kota Banjar di masa pandemi covid-19

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