Rachmatika, Adhela Ghina and Prof. Dr. Drs. Muhammad Saifi,, M.Si and Dr. Saparila Worokinasih, S.Sos., M.Si, S.Sos., M.Si (2022) Pengaruh Financial Literacy Dan Financial Technology Terhadap Financial Inclusion Yang Di Mediasi Oleh Cashless Policy (Studi Pada Umkm Binaan Bank Kalimantan Timur Dan Utara Di Kawasan Wisata Belanja Sempaja Kota Samarinda). Magister thesis, Universitas Brawijaya.
Abstract
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.
English Abstract
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.
| Item Type: | Thesis (Magister) |
|---|---|
| Identification Number: | 0422030001 |
| Uncontrolled Keywords: | financial literacy, financial technology, cashless policy, financial inclusion, umkm .- Financial Literacy, Financial Technology, Cashless Policy, Financial Inclusion,umkm |
| Subjects: | 600 Technology (Applied sciences) > 658 General management |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | Endang Susworini |
| Date Deposited: | 23 May 2023 02:05 |
| Last Modified: | 23 May 2023 02:05 |
| URI: | http://repository.ub.ac.id/id/eprint/200041 |
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Text (DALAM MASA EMBARGO)
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