Peran Literasi Keuangan dan Inklusi Keuangan Dalam Meningkatkan Penggunaan Financial Technology Pada UMKM
-
Tiara Syahrani
*
Institut Teknologi Muhammadiyah Sumatera, Musi Rawas,
Indonesia
- Endar Pradesa Universitas PGRI Silampari, Lubuklinggau, Indonesia (*) Corresponding Author
Abstract
The purpose of this study was to determine the role of financial literacy and financial inclusion in increasing the use of financial technology in MSMEs in Lubuklinggau City. The research method used is quantitative research where each variable is measured by a Likert scale. The number of samples in this study were 42 respondents, namely culinary MSMEs in Lubuklinggau City. Data collection techniques used in this study were document studies and questionnaires. The data analysis technique uses multiple linear regression with the help of SPSS. The results of the study show that financial literacy has a significant influence on financial technology, this is evidenced by the results of the t-test calculation which shows a significance value of 0.006 <0.05. Financial inclusion has a significant influence on financial technology, this is evidenced by the results of the t-test calculation which shows a significance value of 0.004 <0.05.
Downloads
References
Ansori, M. (2019). Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Industri Keuangan Syariah Di Jawa Tengah. Jurnal Studi Keislaman, 5 nomor 1.
Arner, D. W., Barberis, J., & Buckley, R. P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? Geo. J. Int’l.
Azizah, M. (2021). Pengaruh Tingkat Literasi Keuangan Terhadap Penggunaan Produk Finansial Teknologi Pada Mahasiswa Febi Uin Sumatera Utara. 1(2), 57–68.
Bank Indonesia. (2019). Edukasi Financial Technology.
Burhanuddin. (2019). Tingkat Pemahaman dan Minat Masyarakat dalam Penggunaan Fintech. Universitas Muhammadiyah Surakarta.
Hadad, M. (2017). Financial Technology (FinTech) di Indonesia: Kuliah Umum Tentang FinTech. Jakarta: Otoritas Jasa Keuangan.
Juliaevi, M. &. (2020). Optimalisasi Financial Technology (Fintech) terhadap Peningkatan Literasi dan Inklusi Keuangan Usaha Menengah Purwokerto. Ekonomi Dan Bisnis, 12. Retrieved from https://doi.org/10.20884/1.jp.2020.27.1.2284
Kurniasari, F., Gunardi, A., Putri, F., & Firmansyah, A. (2021). The role of financial technology to increase financial inclusion in Indonesia (Tanggerang). Universitas Multimedia Nusantara.
Marini, Linawati, & Putra, R. E. (2020). Peran Fintech terhadap Inklusi Keuangan pada UMKM Tangerang Selatan. Jurnal Accounting Research Politeknik Harapan Bersama. Retrieved from https://doi.org/org/10.32493/keberlanjutan.v5i2.y2020.p91-104
Muzdalifa. (2018). Peran Fintach Dalam Meningkatkan Inklusif Keuangan pada UMKM di indonesia. Jurnal Ekonomi Dan Perbankan Syariah, 3(1), 1–24.
OJK. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). In Otoritas Jasa Keuangan.
Ponikvar. (2017). Isomidinova dan Singh: Literasi keuangan Masyarat.
Rhyne, G. &. (2011). Opportunities and Obstacles to Financial Inclusion. Publication 12 Center for Financial Inclusion at Accion International, 1–46.
Saleh, M., Sari, F., & Syamsulriyadi. (2020). Pengaruh Literasi Keuangan dan Kualitas Pembelajaran Keuangan Terhadap Penggunaan Fintech Mahasiswa Manajemen Dan Akuntansi Universitas Fajar. Jurnal Manajemen Dan Organisasi Review (MANOR), 2(2), 94–105.
Sholeh, B. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa Program Studi Pendidikan Ekonomi Universitas Pamulang. Pekobis : Jurnal Pendidikan, Ekonomi, Dan Bisnis, 4(2), 57. https://doi.org/10.32493/pekobis.v4i2.p57-67.4306
Siregar, S. (2018). Statistik Parametrik untuk Penelitian Kuantitatif Dilengkapi dengan Perhitungan Manual dan Aplikasi SPSS Versi 17. Jakarta: Bumi Aksara.
Sugiarti. (2019). Peran Fintech dalam Meningkatkan Literasi Keuangan pada Usaha Mikro Kecil Menengah di Malang. Ekonomi Dan Bisnis, 90–104.
Ulfatun, et al. (2016). Analisis Tingkat Literasi Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta Tahun 2012-2014. Jurnal Pelita, IX(2), 36–47.
Undang-Undang No. 20. Usaha Mikro, Kecil dan Menengah (UMKM). , (2008).
Venkatesh. (2020). User Acceptance of Information Technology. Toward a Unifiied View, MIS Quarterly, 27(3), 425–478.
Winarto, W. (2020). Peran Fintech dalam Usaha Mikro Kecil dan Menengah (UMKM). Esya (Jurnal Ekonomi Dan Ekonomi Syariah), 61–73.
Yustian. (2017). Analisis Pengelolaan Keuangan Usaha Mikro Kecil dan Menengah pada Asosiasi Batik Mukti Manunggal Kabupaten Sleman. Universitas Sanata Dharma.
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Peran Literasi Keuangan dan Inklusi Keuangan Dalam Meningkatkan Penggunaan Financial Technology Pada UMKM
Pages: 1003-1010
Copyright (c) 2023 Tiara Syahrani, Endar Pradesa
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
