Pentingnya Financial Education dan Financial Knowledge terhadap Inklusi Keuangan Pada Era Fintech di Indonesia

Authors

  • Mega Arisia Dewi Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya

DOI:

10.33395/owner.v6i3.866

Keywords:

financial education, financial knowledge, financial inclusion, fintech, financial technology

Abstract

This study aims to determine the effect of financial literacy (financial education) and (financial knowledge) on financial inclusion in the fintech era in Indonesia and the effect of financial literacy (financial education) and (financial knowledge) on financial inclusion through the Fintech era in Indonesia. This research is a quantitative research. The population of this research is people throughout East Java. The sampling technique used was purposive sampling. The data collection technique of this research used literature study, and field research. This study uses the dependent variable, namely financial inclusion, while the independent variable, namely financial education and financial knowledge, while the moderating variable is financial technology. The conclusion of this study is that the financial education and financial knowledge variables have a negative effect on financial inclusion, while the fintech variable is able to mediate the strong influence of financial education and financial knowledge on financial inclusion. The results of this study provide an opportunity for other researchers to test the effectiveness of various financial inclusion strategies carried out by the government and universities in Indonesia, so as to obtain updated data for further updates.

Downloads

Download data is not yet available.

        Plum-X Analityc

References

Allen, F., Demirguc-Kunt, A., Klapper, L., dan Peria, M. S. M. (2016). The foundations of financial inclusion: Understanding ownership and use of formal accounts. Journal of financial Intermediation, 27, 1-30.

Chen, H. dan Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial services review, 7(2): 107128

Djawahir, A. U. (2018, April). Teknologi-layanan keuangan, literasi-inklusi keuangan, dan value pada fintech syariah di Indonesia: Perspektif SOR (Stimulus-organism-response) model. In Proceedings of Annual Conference for Muslim Scholars (No. Series 1, pp. 439-448).

Fitriani, H. (2018). Kontribusi Fintech dalam Meningkatkan Keuangan Inklusif pada Pertanian. Jurnal Ekonomi IAIN Ponorogo, 1 (1), 1-26.

Ilahiyah, M. A. E., Soewarno, N., & Jaya, I. M. L. M. (2021). The effect of intellectual capital and financial services knowledge on financial inclusion. The Journal of Asian Finance, Economics, and Business, 8(1), 247-255.

Jaya, I. M. L. M. (2019). The Impact of Financial Inclusion on Public Financial Services Education through Financial Technology in Sleman Regency, Indonesia. Esensi: Jurnal Bisnis dan Manajemen. 9 (2), 155 – 174.

Kennedy, P. S. J., & Harefa, A. A. (2018). The Financial Technology, Regulation And Banking Adaptation In Indonesia. Fundamental Management Journal, 3(1), 1-11.

Kusumawardhany, Susi Sih, Yunita Kurnia Shanti, Khoirunnisa Azzahra, Baiq Fitri Arianti, Anggun Putri Romadhina. (2021). Penerapan Literasi Keuangan Dalam Memahami Financial Technology. SULUH: Jurnal Abdimas, 2(2),151 – 160.

Lemeshow, S., Hosmer, D. W., Klar, J., Lwanga, S. K., & World Health Organization. (1990). Adequacy Of Sample Size in Health Studies. Diterjemahkan Oleh Dibyo Pramono dengan judul Besar Sampel dalam Penelitian Kesehatan. 1997. Yogyakarta: Gajah Mada University Press.

Lestari, S. (2015). Literasi keuangan serta penggunaan produk dan jasa lembaga keuangan. Fokus Bisnis: Media Pengkajian Manajemen Dan Akuntansi, 14(2).

Margaretha, F., dan Pambudhi, R.A. (2015). Tingkat Literasi Keuangan Pada Mahasiswa S-1 Fakultas Ekonomi. JMK, 17(1).

Muzdalifa, Irma., Rahma, Inayah A., Novalia, Bella D. (2018). Peran Fintech dalam Meningkatkan Keuangan Inklusif pada UMKM di Indonesia. Jurnal Ekonomi dan Perbankan Syariah. 3(1), 227 – 344.

Nizar, M. A. (2017). Teknologi keuangan (Fintech): Konsep dan implementasinya di Indonesia.

Ozili, P. K. (2018). Impact of Digital Finance on Financial Inclusion and Stability. Borsa Istanbul Review, 18 (4), 329-340.

Robb, C. A., & Woodyard, A. (2011). Financial knowledge and best practice behavior. Journal of financial counseling and planning, 22(1).

Setiawan, K. (2020). Jokowi Soroti Indeks Literasi dan Inklusi Keuangan RI yang Rendah. Bisnis Tempo Online. Diakses dari https://bisnis.tempo.co/read/1300621/jokowisoroti-indeks-literasi-dan-inklusi-keuangan-ri-yang-rendah .

Shaari, N. A., Hasan, N. A., Mohamed, R. K. M. H., & Sabri, M. A. J. M. (2013). Financial literacy: A study among the university students. Interdisciplinary journal of contemporary research in business, 5(2), 279-299.

Sugiyono. (2012). Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.

Supartoyo, Y. H., Tatuh, J., & Sendouw, R. H. E. (2013). The Economic Growth and The Regional Characteristics: The Case of Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 7, 3–19.

Wachira MI, Kihiu EN. (2012). Impact of financial literacy on access to financial services in Kenya. International Journal of Business and Social Sience. 3(19).

Widayati, I. (2012). Faktor-Faktor yang Mempengaruhi Literasi Finansial Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya. Jurnal Akuntansi dan Pendidikan, 1(1).

Woodyard, A., dan R, Cliff. (2012). Financial Knowledge and the Gender Gap. Journal of financial therapy. 3(1).

Xu, L., dan B. Zia. (2012). Financial Literacy around the World-An Overview of the

Evidence with Practical Suggestions for the Way Forward. The World Bank:Finance and Private Sector Development.

Downloads

Published

2022-07-04

How to Cite

Dewi, M. A. (2022). Pentingnya Financial Education dan Financial Knowledge terhadap Inklusi Keuangan Pada Era Fintech di Indonesia. Owner : Riset Dan Jurnal Akuntansi, 6(3), 3015-3027. https://doi.org/10.33395/owner.v6i3.866