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Pengaruh Financial Literacy dan financial Technology Terhadap Financial Inclusion Yang Dimediasi Oleh Cashless Policy: Studi pada UMkM binaan Bank Kalimantan Timur dan Utara di kawasan wisata belanja Sempaja Kota Samarinda

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Perkembangan sistem keuangan yang kiat pesat khususnya pada
sistem pembayaran berbasis digital, mengharuskan pemerintah mengevaluasi
layanan dan sistem keuangan untuk menciptakan peningkatan inklusi keuangan.
Sehingga perlu di indentifikasi variabel yang mempengaruhi inklusi keuangan
terutama terkait financial literacy, cashless policy, dan financial technology. Data
literatur menunjukkan bahwa financial literacy, cashless policy, dan financial
technology merupakan variabel yang dapat mempengaruhi financial inclusion.
Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh
financial literacy, cashless policy, dan financial technology terhadap financial
inclusion. Metode penelitian yang digunakan adalah kuantitatif. Penelitian ini di
lakukan di Wisata Belanja Sempaja Kota Samarinda dengan sampel penelitian
adalah 172 UMKM Binaan Bank Kalimantan Timur dan Utara dengan teknik
Probability Sampling dengan pendekatan Random Sampling. Data dianalisis
menggunakan PLS (Partial Least Square).
Hasil penelitian memperlihatkan hasil bahwa terdapat pengaruh dari
Financial literacy dan Financial Technology terhadap Cashless policy, terdapat
pengaruh Financial literacy dan Financial Technology terhadap Financial
Inclusion namun Cashless Policy tidak memiliki pengaruh terhadap Financial
Inclusion.

Creating a payment system by increasing access in accordance with the
capabilities and needs of MSMEs will result in prosperity for MSMEs and affect
financial inclusion with finances. It can be realized by increasing knowledge of
policies on financial products for MSMEs and increasing digital-based financial
literacy and technological development related to finance.
This study aims to identify the effect of financial literacy on financial
inclusion and the effect of financial technology on financial inclusion, and
cashless policy as a mediation for the relationship between financial literacy and
financial technology on financial inclusion. This explanatory study used a
questionnaire to collect primary data. It was conducted at the Sempaja Shopping
Tourism area in Samarinda City and it involved samples of 172 MSMEs assisted
by Bank Kalimantan Timur dan Utara. The sample was selected using the
probability sampling technique with a random sampling approach. It was a
quantitative study and the data were analyzed using PLS (Partial Least Square)
analysis tool.
Based on the literature study, financial literacy and financial technology
affected financial inclusion. The cashless policy had a positive impact on financial
inclusion and positively mediated the relationship between financial literacy and
financial technology and financial inclusion

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Ketersediaan

202380

TES 332.04 RAC p 2022 k.1

Fadel Muhammad Resource Center (Ilmu Sosial)

Tersedia

Informasi Detail

Judul Seri

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No. Panggil

TES 332.04 RAC p 2022

Penerbit

Malang : Program Magister Ilmu Administrasi Bisnis., 2022

Deskripsi Fisik

xvii, 235 halaman; ILUS: 29,5 cm.

Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

332.04

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

TESIS
UMKM
financial literacy
financial technology
cashless policy
financial inclusion

Info Detail Spesifik

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Pernyataan Tanggungjawab

Adhela Ghina Rachmatika

Versi lain/terkait

Lampiran Berkas

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