Pengaruh Penggunaan Fintech dan Literasi Keuangan terhadap Inklusi Keuangan

Authors

  • Faidatul Ainiyah
  • Indah Yuliana

DOI:

https://doi.org/10.30651/jms.v7i3.12762

Keywords:

financial Literacy, financial technology, financial inclusion

Abstract

Abstract

This study aims to determine and analyze the effect of using fintech and financial literacy on financial inclusion. This research is motivated by the importance of increasing financial inclusion by using fintech among students. The method used in this research is quantitative through descriptive analysis approach. Collecting data using questionnaires using research samples Postgraduate students at the State Islamic University of Malang totaling 100 students. This study uses PLS Smart 3.0 as a tool to analyze data. The results of this study indicate that financial literacy has a significant effect on financial technology, the use of financial technology has a significant effect on financial inclusion, financial literacy has a significant effect on financial inclusion.

 

References

Abel, Sanderson, Learnmore Mutandwa dan Pierre Le Roux. 2018. A Review of determinants of Financial Inclusion. International Journal of Economics and Financial Issues. 2146-4138

Agarwal, Sumit and Yoew Chua, (2020) Fintech and household finance: a review of the empirical literature. China Financial Review international. ISSN: 2044-1398 Emerald Publishing

Agufa Midika Michelle. 2016. The Effect Of Digital Finance On Financial Inclusion In The Banking Industry In Kenya. A Research Project Submitted In Partial Fulï¬llment Of The Requirements For The Award Of The Degree Of Master Of Science In Finance, School Of Business, University Of Nairobi

Alawi, N. M., Asih, V. S. and Sobana, D. H. (2020) ‘Pengaruh Literasi Keuangan dan Inklusi Mahasiswa UIN Sunan Gunung Djati Bandung Terhadap Penggunaan Sistem Financial Technology’, Jurnal Maps (Manajemen Perbankan Syariah), 4(1), pp. 36–44. doi: 10.32483/maps.v4i1.48.

Anisah, N. and Crisnata, H. F. (2021) ‘Analisis Tingkat Literasi Keuangan Pengguna Fintech Payment OVO’, Jurnal Riset Akuntansi dan Keuangan Dewantara, 4(2), pp. 46–58. Available at: http://ejournal.stiedewantara.ac.id/index.php/JAD/article/view/752.

Aliyah, Muhibatul dan Nurdin (2019) Pengaruh Layanan Keuangan Berbasis Teknologi (Fintech) terhadap Literasi Keuangan Masyarakat Dago Atas, Bandung. Prosiding Manajemen : Vol 5, No 1 Februari 2019

Ashenafi Fanta & Makina, Daniel (2019) The Relationship Between Technology and Financial Inclusion : Cross-Sectional Evidence. Extending financial inclusion in Africa, 211-230,2019. Researchgate.net Publication

Bongomin et al. (2016) Social capital : mediator of financial literacy and financial inclusion in rural Uganda. Review of International Business and Strategy Vol. 26 No. 2

Basrowi, B. et al. (2020) ‘The Effect Of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion’, AL-FALAH : Journal of Islamic Economics, 5(2), p. 231. doi: 10.29240/alfalah.v5i2.1669.

Bire, A. R., Sauw, H. M. and Maria, - (2019) ‘The effect of financial literacy towards financial inclusion through financial training’, International journal of social sciences and humanities, 3(1), pp. 186–192. doi: 10.29332/ijssh.v3n1.280.

Cut Misni and Karina Odia (2020) Optimalisasi Financial Technology terhadap peningkatan literasi dan inklusi keuangan Usaha Menengah Purwokerto. Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi 27 (1), 12-20,2020

Deloitte (2013) ‘The Future is Now : Digital Financial Services in Indonesia’, pp. 1–15.

Durai, Tabitha & G, Stella (2019), Digital dinance and its Impact on Financial Inclusion. Journal of emerging Technologies and Innovative Research 6 (1), 122-127, 2019.

Farida, M. N., Soesatyo, Y. and Aji, T. S. (2021) ‘Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior’, International Journal of Education and Literacy Studies, 9(1), p. 86. doi: 10.7575/aiac.ijels.v.9n.1p.86.

Fitriah, W. I. (2020) ‘Faktor-Faktor Yang Mempengaruhi Inklusi Keuangan Pendahuluan’, Jurnal Riset Bisnis dan Manajemen Tirtayasa (JRBMT), 4(2), pp. 94–108. Available at: http://dx.doi.org/10.48181/jrbmt.v4i2.10332.

Hutabarat, F. 2018. Pengaruh Literasi Keuangan dan Financia Technology terhadap Inklusi Keuangan pada masyarakat Jabodetabek. Institute Pertanian Bogor

Iskandar, D. (2019) ‘The Use of The Financial Technology (Fintech) System is Reviewed from Society Perception : Attiude, Interest, Motivation, Experience & Hope’, EPRAInternational Journal of Multidisciplinary Research, 5(June), pp. 138–148.

Michelle Natalia. 2021. Generasi milenial kini sudah akrab dengan fintech. Economisc IDX

Mindra, R., Moya, M., Zuze, L.T. and Kodongo, O. (2017), "Financial self-efficacy: a determinant of financial inclusion", International Journal of Bank Marketing, Vol. 35 No. 3, pp. 338-353. https://doi.org/10.1108/IJBM-05-2016-0065

Mindra & Moya (2017) Financial self-efficacy: a determinant of financial inclusion.

Morgan, P. J. and Trinh, L. Q. (2020) ‘FinTech and Financial Literacy in Vietnam’, ADBI Working Paper Series (No.1154), (1154), pp. 1–23.

Muzdalifa, I., Rahma, I. A. and Novalia, B. G. (2018) ‘Peran Fintech Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia (Pendekatan Keuangan Syariah)’, Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 3(1). doi: 10.30651/jms.v3i1.1618.

Natalia, M. A. et al. (2020) ‘Indonesia PENGARUH LITERASI KEUANGAN TERHADAP INKLUSI KEUANGAN DENGAN MENGGUNAKAN SOCIAL CAPITAL SEBAGAI VARIABEL MEDIATOR’, Ultima Management : Jurnal Ilmu Manajemen, 12(1), pp. 16–33. doi: 10.31937/manajemen.v12i1.1522.

Noor, M., Fourqoniah, F. and Aransyah, M. F. (2020) ‘Investigation of financial inclusions, financial literation, and financial technology in Indonesia’, Jurnal Perspektif Pembiayaan dan Pembangunan Daerah, 8(3), pp. 257–268. doi: 10.22437/ppd.v8i3.9942.

Okello Candiya Bongomin, G. et al. (2016) ‘Social capital: mediator of financial literacy and financial inclusion in rural Uganda’, Review of International Business and Strategy, 26(2), pp. 291–312. doi: 10.1108/RIBS-06-2014-0072.

Ozili, P. K. (2018) ‘Impact of digital finance on financial inclusion and stability’, Borsa Istanbul Review, 18(4), pp. 329–340. doi: 10.1016/j.bir.2017.12.003.

Prawirasasra, K. P. (2018) ‘Financial technology in Indonesia: disruptive or collaborative?’, Reports on Economics and Finance, 4(2), pp. 83–90. doi: 10.12988/ref.2018.818.

Puspita, A. T., Lubis, D. and Marhamah Muthohharoh (2021) ‘Faktor–Faktor yang Memengaruhi Tingkat Literasi Keuangan Syariah pada Mahasiswa Muslim di Bogor’, Al-Muzara’Ah, 9(1), pp. 1–20. doi: 10.29244/jam.9.1.1-20.

Peni Widarti. 2019. Jatim Optimistis Literasi & Inklusi Keuangan Terus Meningkat. Dalam www.bisnis.com diakses pada tanggal 03 Maret 2021

Pulungan, Delyana Rahmawani dan Amelyana Ndruru. 2019. Pengaruh Literasi Keuangan dan Modal Sosial Terhadap Inklusi Keuangan Mahasiswa. SAMBIS. 2685-1474

Pungki yulianti dan Ajeng Pramesti (2021), Tercapainya Inklusi Keuangan Mampukah dengan Literasi Keuangan dan Financial Technology?. Kajian Bisnis Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha 29 (2) 57-70,2021.

Rafsanjani, H., & Sukmana, R. (2014). Pengaruh perbankan atas pertumbuhan ekonomi: studi kasus bank konvensional dan bank syariah di Indonesia. Jurnal Aplikasi Manajemen, 12(3), 492-502.

Rafsanjani, H. (2022). Peran Dewan Pengawas Syariah (DPS) Pada Lembaga Keuangan Syariah (Pendekatan Psikologi Sosial). Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 6(1), 267-278.

Rafsanjani, H. (2018). Studi Kritis Pemikiran Muhammad Yunus Tentang Grameen Bank. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 2(1).

Rafsanjani, H. (2017). Peran Koperasi Wanita dalam Membangun Keuangan Inklusif Syariah. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 2(2).

Saleh, M., f Sari, F. and 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), p. 2018. Available at: https://journal.unifa.ac.id/index.php/manor/article/view/243.

Santoso, W. et al. (2020) ‘Talent mapping: a strategic approach toward digitalization initiatives in the banking and financial technology (FinTech) industry in Indonesia’, Journal of Science and Technology Policy Management, 12(3), pp. 399–420. doi: 10.1108/JSTPM-04-2020-0075.

Saraswati, B. D. et al. (2020) ‘The effect of financial inclusion and financial technology on effectiveness of the Indonesian monetary policy’, Business: Theory and Practice, 21(1), pp. 230–243. doi: 10.3846/BTP.2020.10396.

Sumit and Yoew Chua, (2020) Fintech and household finance: a review of the empirical literature. China Financial Review international. Emerald Publishing

Survei Nasional Literasi dan Inklusi Keuangan 2019 di akses www.ojk.go.id pada tanggal 03 September 2021

Otoritas Jasa Keuangan (OJK) menyatakan pentingnya meningkatkan inklusi keuangan di era digital saat ini. www. OJK.go.id Diakses pada tanggal 23 Maret 2021

Wewengkang, C. B. P. et al. (no date) ‘The Effect Of Financial Technology Use And Financial Literacy Towards Financial Inclusion In Manado ( Case Study : Feb Students In Sam Ratulangi University Manado ) ’, 9(2), pp. 599–606.

Yadav, P. and Sharma, A. K. (2016) ‘Financial inclusion in India: an application of TOPSIS’, Humanomics, 32(3), pp. 328–351. doi: 10.1108/H-09-2015-0061.

Yunus, K. (2020a) ‘Indeks Literasi Keuangan Dan Inklusi Keuangan Perbankan Syariah Di Provinsi Sulawesi Selatan’, Repository.Uinjkt.Ac.Id. Available at: http://repository.uinjkt.ac.id/dspace/handle/123456789/52218.

Yunus, K. (2020b) ‘Indeks Literasi Keuangan Dan Inklusi Keuangan Perbankan Syariah Di Provinsi Sulawesi Selatan’, Repository.Uinjkt.Ac.Id, 5(2), pp. 47–68. Available at: http://repository.uinjkt.ac.id/dspace/handle/123456789/52218.

Zhang, M. and Yang, J. (2019) ‘Research on Financial Technology and Inclusive Finance Development’, 294(Ieesasm 2018), pp. 66–71. doi: 10.2991/ieesasm-18.2019.14.

Downloads

Published

2022-10-29

How to Cite

Ainiyah, F., & Yuliana, I. (2022). Pengaruh Penggunaan Fintech dan Literasi Keuangan terhadap Inklusi Keuangan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 7(3). https://doi.org/10.30651/jms.v7i3.12762

Issue

Vol. 7 No. 3 (2022)

Section

Artikel

License

The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.

Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.

Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.

Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:

  • Patent and trademark rights and rights to any process or procedure described in the article.
  • The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
  • The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.