PENGARUH LITERASI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP INKLUSI KEUANGAN DI DESA PENGOTAN
Abstract
Inklusi keuangan adalah instrumen perbankan yang memegang peranan penting dalam stabilitas sistem keuangan. Inklusi keuangan memberikan ketersediaan akses pada berbagai lembaga, produk dan layanan jasa keuangan sesuai dengan kebutuhan dan kemampuan masyarakat maupun usahanya, yang digunakan secara bertanggung jawab dan berkelanjutan dalam meningkatkan kesejahteraan masyarakat. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan financial technology terhadap inklusi keuangan di desa Pengotan. Populasi dalam penelitian ini adalah masyarakat di desa Pengotan. Jumlah sampel yang digunakan dalam penelitian ini sebanyak 100 responden. Metode pengumpulan data menggunakan wawancara dan observasi dengan teknik analisis data regresi linier berganda. Hasil penelitian menunjukkan bahwa literasi keuangan dan financial technology berpengaruh positif dan signifikan terhadap inklusi keuangan.
Financial inclusion is a banking instrument that plays an important role in financial system stability. Financial inclusion provides access to various financial institutions, products and services according to the needs and capabilities of the community and their businesses, which are used in a responsible and sustainable manner in improving people's welfare. This study aims to analyze the effect of financial literacy and financial technology on financial inclusion in Pengotan village. The population in this study is the people in Pengotan village and sample are 100 respondents. Methods of data collection using interviews and observation with multiple linear regression data analysis techniques. The results of the study show that financial literacy and financial technology have a positive and significant effect on financial inclusion.
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References
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