The Influence of Financial Technology (Fintech), Financial Literacy, and Income on Financial Inclusion of Society

Isnani Farichatul Chikmah; Lorena Dara Putri Karsono

doi:10.34010/aisthebest.v9i1.11990

[1] M. Narastri, “Financial Technology (Fintech) Di Indonesia Ditinjau Dari Perspektif Islam,” Indones. Interdiscip. J. Sharia Econ., vol. 2, no. 2, pp. 155–170, 2020, doi: 10.31538/iijse.v2i2.513.
[2] A. Ramadhon, “Analisis Dampak Financial Technology (Fintech) Terhadap Profitabilitas Bank Syariah,” 2021, [Online]. Available: http://scholar.googleusercontent.com/scholar?q=cache:Atk371II81AJ:scholar.google.com/+analisis+dampak+financial+technology+terhadap+profitabilitas+bank+syariah+adam+ramadhan&hl=id&as_sdt=0,5&as_vis=1.
[3] SNKI Penpres, “Peraturan Presiden Republik Indonesia Tentang Strategi Nasional Keuangan Inklusif,” 2020. [Online]. Available: https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Download/218.
[4] M. Berbegal Ibañez, J. C. Asensio, M. Laird, N. Piefer, and A. Zimmerman, “Development Co-operation Report 2017,” 2017. doi: https://doi.org/10.1787/dcr-2017-en.
[5] C. Mutia Annur, “Literasi dan Inklusi Keuangan Warga Indonesia Meningkat pada 2022,” Databoks, 2022. https://databoks.katadata.co.id/datapublish/2022/10/31/literasi-dan-inklusi-keuangan-warga-indonesia-meningkat-pada-2022.
[6] D. L. Remund, “Financial literacy explicated: The case for a clearer definition in an increasingly complex economy,” J. Consum. Aff., 2010, doi: 10.1111/j.1745-6606.2010.01169.x.
[7] N. U. Amelia, “Peran Financial technology dalam Meningkatkan pendapatan UMKM di Kabupaten Pangkep,” POINT J. Ekon. dan Manaj., vol. 3, no. 2, pp. 71–84, 2021, doi: 10.46918/point.v3i2.1165.
[8] W. Purwidianti and R. Mudjiyanti, “Analisis Pengaruh Pengalaman Keuangan Dan Tingkat Pendapatan Terhadap Perilaku Keuangan Keluarga Di Kecamatan Purwokerto Timur,” Benefit J. Manaj. dan Bisnis, vol. 1, no. 2, p. 141, 2016, doi: 10.23917/benefit.v1i2.3257.
[9] A. Zins and L. Weill, “The determinants of financial inclusion in Africa,” Rev. Dev. Financ., vol. 6, no. 1, pp. 46–57, 2016, doi: 10.1016/j.rdf.2016.05.001.
[10] F. Hutabarat and B. Purwanto, “Pengaruh Literasi Keuangan dan Financial Technology terhadap Inklusi Keuangan pada Masyarakat Jabodetabek,” pp. 1–41, 2018, [Online]. Available: https://repository.ipb.ac.id/handle/123456789/95669.
[11] B. F. Arianti, “Pengaruh Pendapatan Dan Perilaku Keuangan Terhadap Literasi Keuangan Melalui Keputusan Berinvestasi Sebagai Variabel Intervening,” J. Akunt., vol. 10, no. 1, pp. 13–36, 2020, doi: 10.33369/j.akuntansi.10.1.13-36.
[12] Q. F. Awamirillah, “Financial Technology Dan Perannya Dalam Peningkatkan Akses Layanan Keuangan Pada Masyarakat Unbanked Di Indonesia,” J. Econ. Law, Humanit., vol. Vol 1 No 2, 2022, [Online]. Available: http://etheses.iainponorogo.ac.id/id/eprint/18937%0Ahttp://etheses.iainponorogo.ac.id/18937/1/501200018_QIYQIY FITHRI AWAMIRILLAH_EKONOMI SYARIAH.pdf.
[13] H. Sari. P.B & Dwilita, “Prospek Financial Techology (Fintech) di Sumatera Utara Dilihat Sisi Literasi Keuangan, Inklusi Keuangan Dan Kemiskinan.,” Kaji. Akunt., vol. Vol 19 No, 2018, [Online]. Available: https://ejournal.unisba.ac.id/index.php/kajian_akuntansi/article/view/3507.
[14] L. T. Laut and D. M. Hutajulu, “Kontribusi Financial Technology Dalam Meningkatkan Inklusi Keuangan di Indonesia,” Prosding Semin. Nas. dan Call Pap., pp. 326–336, 2019, [Online]. Available: https://jurnal.untidar.ac.id/index.php/semnasfe/article/download/2136/1194.
[15] N. A. Dea, “EFEKTIVITAS FINANCIAL TECHNOLOGY (FINTECH) PERBANKAN SYARIAH TERHADAP PERKEMBANGAN INKLUSI KEUANGAN (Studi Pada PT. Bank Syariah Mandiri KCP Kedaton Bandar Lampung),” vol. 7, p. 6, 2021, [Online]. Available: http://repository.radenintan.ac.id/17222/2/PERPUS PUSAT BAB 1 DAN 2.pdf.
[16] S. Puspitasari, A. J. W. Mahri, and S. A. Utami, “Indeks Inklusi Keuangan Syariah di Indonesia,” Amwaluna J. Ekon. dan Keuang. Syariah, vol. 4, no. 1, 2020, doi: 10.29313/amwaluna.v4i1.5094.
[17] M. R. Adiyanto and A. S. D. Purnomo, “Dampak Tingkat Literasi Keuangan Syariah Terhadap Minat Menggunakan Produk Keuangan Syariah,” J. Adm. Kant., vol. 9, no. 1, pp. 1–12, 2021, [Online]. Available: https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwi3o9ytus38AhVMSmwGHTUUB2IQFnoECA8QAQ&url=https%3A%2F%2Fejournal-binainsani.ac.id%2Findex.php%2FJAK%2Farticle%2Fdownload%2F1461%2F1288%2F&usg=AOvVaw043j57qquUf-G-Wg5Re.
[18] J. E. White, “Meet Generation Z: Understanding and Reaching the New Post-Christian World,” Christ. Sch. Rev., vol. 48, no. 2, pp. 201–204, 2019, [Online]. Available: https://go.gale.com/ps/i.do?p=AONE&sw=w&issn=00172251&v=2.1&it=r&id=GALE%7CA570439819&sid=googleScholar&linkaccess=fulltext%0Ahttps://go.gale.com/ps/i.do?p=AONE&sw=w&issn=00172251&v=2.1&it=r&id=GALE%7CA570439819&sid=googleScholar&linkaccess=abs.
[19] Y. Surya Putra, “Theoritical Review : Teori Perbedaan Generasi,” Among Makarti, vol. 1999, pp. 1–6, 2016, [Online]. Available: https://jurnal.stieama.ac.id/index.php/ama/article/download/142/133.
[20] A. Z. Fadillah, “Acceleration of Financial Technology Growth towards Inclusiveness of Unbankable Society in Achieving the Vision of the Islamic Banking Roadmap 2020-2025 (Case Study: Generation Z, Jabodetabek),” Airlangga Int. J. Islam. Econ. Financ., vol. 4, no. 2, p. 158, 2021, doi: 10.20473/aijief.v4i2.31434.
[21] N. Multarida, “Pengaruh Fintech dan Layanan Keuangan Digital Terhadap Inklusi Keuangan Pada Mahasiswa Generasi Z Telkom University,” 2023, [Online]. Available: https://repositori.telkomuniversity.ac.id/pustaka/202998/pengaruh-fintech-dan-layanan-keuangan-digital-terhadap-inklusi-keuangan-pada-mahasiswa-generasi-z-telkom-university.html.
[22] BPS, “No Title,” 2023. [Online]. Available: https://p2k.stekom.ac.id/ensiklopedia/Keresidenan_Pati.
[23] S. Nadia, “Pengaruh Literasi Keuangan Dan Financial technology (Fintech) Terhadap Inklusi Keuangan (Pada Generasi Z Di Kota Jakarta Timur),” 2023, [Online]. Available: https://library.universitaspertamina.ac.id//xmlui/handle/123456789/8548.
[24] “Pasar Fintech - Penilaian dan Prakiraan Industri Global,” 2022, [Online]. Available: https://www-vantagemarketresearch-com.translate.goog/industry-report/fintech-market-1543?_x_tr_sl=en&_x_tr_tl=id&_x_tr_hl=id&_x_tr_pto=rq#:~:text=The market is project to,19.50%25 between 2021 and 2028.&text=North America was the leading regional segment of the Fintech in 2020.
[25] T. Sullivan, “10 Tren FintechTahun 2024 yang Menentukan Masa Depan Industri Ini,” 2024.
[26] S. Nanda, “Mengenal Gen Z, Generasi yang Dianggap Manja,” 2023.
[27] M. A. Dewi, “THE IMPACT OF FINTECH TOWARDS FINANCIAL INCLUSION DEVELOPMENT IN UMKM IN EAST JAVA DAMPAK FINTECH TERHADAP PERKEMBANGAN INKLUSI KEUANGAN PADA UMKM DI JAWA TIMUR Surabaya,” Gorontalo Account. J., vol. 3, no. 2, p. 83, 2020, [Online]. Available: https://jurnal.unigo.ac.id/index.php/gaj/article/download/973/562.
[28] A. T. R. C. Yudha, Fintech Syariah : Teori dan Terapan. Scopindo Media Pustaka, 2020.
[29] Sugiyono, Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta, 2015.
[30] Supardi, Metodologi Penelitian Ekonomi dan Bisnis. Yogyakarta: UII Press, 2005.
[31] S. Arikunto, Prosedur Penelitian. Jakarta: Rineka Cipta, 2014.
[32] M. Siahaan, S. P. Anantadjaya, I. M. G. A. Kurniawan, and A. S. Purba, “Syariah Technology Financial Potential to Reach Non-bank Financing,” Webology, vol. 19, no. 1, pp. 1824–1833, 2022, doi: 10.14704/web/v19i1/web19122.
[33] R. M. Rohmah and T. Gunarsih, “Pengaruh Literasi Keuangan Dan Fintechterhadap Inklusi Keuangan Pada Masyarakat D.I.Yogyakarta,” Semin. Nas. Unriyo, vol. 3, no. 1, pp. 2019–226, 2021, [Online]. Available: https://prosiding.respati.ac.id/index.php/PSN/article/viewFile/372/356.
[34] A. N. Sari and A. Kautsar, “Analisis Pengaruh Literasi Keuangan, Financial Technology, dan Demografi terhadap Inklusi Keuangan pada Masyarakat di Kota Surabaya,” J. Ilmu Manaj., vol. 8, no. 4, p. 1233, 2020, doi: 10.26740/jim.v8n4.p1233-1246.
[35] A. Nugroho, “Determinan Inklusi Keuangan di Indonesia,” Skripsi, pp. 1–13, 2017, [Online]. Available: https://repofeb.undip.ac.id/7213/.
[36] V. W. Wokabi and O. I. Fatoki, “Determinants of Financial Inclusion in East Africa,” Int. J. Bus. Manag., vol. VII, no. 1, 2019, doi: 10.20472/bm.2019.7.1.009.
[37] Masrukhin, Metodologi Penelitian Kuantitatif, 1st ed. Kudus: Media Ilmu Press, 2016.
[38] D. Priyanto, Paham Analisa Statistik Data dengan SPSS, Media Komputer. 2010.
[39] I. Ghozali, Aplikasi Analisis Multivariate dengan IBM SPSS 19. Semarang: Badan Penerbit Universitas Diponegoro, 2011.
[40] H. Sugiharti and K. A. Maula, “Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa,” Accounthink J. Account. Financ., vol. 4, no. 2, 2019, doi: 10.35706/acc.v4i2.2208.
[41] S. Erfandi, “Pengaruh Literasi Keuangan dan Financial Technology Terhadap Peningkatan Inklusi Keuangan Pada UMKM di Kota Banda Aceh,” 2023, [Online]. Available: https://repository.ar-raniry.ac.id/id/eprint/31574/1/Said Erfandi Pratama, 170603255, FEBI, PS.pdf.
[42] C. F. Ukhriyawati, Sri Mulyati, Rika, “Faktor-faktor yang Mempengaruhi Perilaku Manajemen Keuangan Ppelaku Usaha Kecil di Bidang Fashion,” vol. 4, 2022, doi: 10.20885/ncaf.vol4.art66.

Abstract viewed - 44 times
PDF downloaded - 52 times

License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Copyright

Affiliations

Isnani Farichatul Chikmah
IAIN Kudus

Lorena Dara Putri Karsono
IAIN Kudus

How to Cite

[1]

I. Chikmah and L. Karsono, “The Influence of Financial Technology (Fintech), Financial Literacy, and Income on Financial Inclusion of Society”, aisthebest, vol. 9, no. 1, pp. 1-15, Jun. 2024.

Content Top

The Influence of Financial Technology (Fintech), Financial Literacy, and Income on Financial Inclusion of Society

Isnani Farichatul Chikmah ,
Lorena Dara Putri Karsono

Vol 9 No 1 (2024): @is The Best : Accounting Information Systems and Information Technology Business Enterprise

DOI 10.34010/aisthebest.v9i1.11990

Abstract

This study seeks to determine if financial technology (fintech), Financial Literacy, and income impact financial inclusion in society. This research was conducted quantitatively involving Generation Z from the former Pati Residency. Generation Z are those born in 1995-2010. Financial literacy can be used as a measuring tool to determine the extent to which a person understands financial concepts, ability to manage, and confidence in making long-term planning decisions by taking into account economic conditions. Likewise, income can serve as an indicator of an individual's financial management capabilities. The research results show that Fintech and Income partially have a significant effect on Financial Inclusion with statistical tests on the Fintech variable obtaining a t-count significance value of 0.000 the Income variable, with a value of 0.008, is less than 0.05, and the regression coefficients are positive, being 0.516 and 0.204 respectively. Financial Literacy does not have a significant effect on Financial Inclusion because based on testing the significance value of the calculated t is 0.095, where this figure is greater than 0.05. However, all three simultaneously influence society's financial inclusion. This was concluded from statistical testing of the coefficient of determination and the F test which obtained a value of 0.686. Increasing Community Financial Inclusivity can improve the economy evenly.

License

Copyright

Affiliations

How to Cite

Download Citation

The Influence of Financial Technology (Fintech), Financial Literacy, and Income on Financial Inclusion of Society

Abstract