The Effect of Financial Literacy and Financial Technology on Student Financial Inclusion of Institute of Social Sciences and Management Stiami Jakarta Bekasi Campus

Authors

  • Ismi Amalia Romadhon Fakultas Ilmu Administrasi, Institut Stiami Jakarta
  • Heksawan Rahmadi Fakultas Ilmu Administrasi, Institut Stiami Jakarta

DOI:

https://doi.org/10.31334/neraca.v2i1.1100

Keywords:

FinancialLiteracy, FinancialInclusion, Fintech, Financial Technology

Abstract

Financial inclusion is a situation where everyone has access to quality financial services at an affordable cost and a fun way. This research aims to find out the influence of literacy on financial inclusion, to know the influence of financial technolgy on financial inclusion on students of Institute of Social Sciences and Management STIAMI Jakarta Bekasi Campus. The population of this study was a student employee of STIAMI Institute of Social Sciences and Management Jakarta Bekasi Campus and was assigned a sample of 47 respondents, with the method of Simple Random Sampling. The study used questionnaire data collection techniques. Technical analysis of the data used is validity test, reliability, classic assumption, multiple linear, Correlation Coefficient, determination coefficient and hypothesis test. The results of the study based on the t test analysis showed that the financial literacy variable (X1) with a calculated t value of 0.607 > t table 2.01537 or signification 0.547 > 0.05 and variable financial technology (X2) with a calculated value of 3.895 > t table 2.01537 or signification of 0.000 < 0.05, it is said that only financial technology variables (X2) have a significant effect on financial inclusion variables (Y). While the F test results show that independent variables (price and product quality) have a simultaneous influence on dependent variables (purchasing decisions) with a value of F count 10,476 > F table 3.20 or signification of 0.000 < 0.05.. so Ho was rejected and Ha accepted. Based on multiple linear regression analysis the model or equation is Y = 64,392 + 0.095 (X1) + 1,140 (X2).

References

Buku:

Assanuri Sofan, 2016, Pengantar Administrasi Pembangunan, Bandung : Erlangga.

Atmosudidjo, S., Prajudi., Dr., Mr, 2015, Administrasi manajemen umum. Jakarta : CV Mas Haji.

Burhan, 2014, Administrasi Public, Jakarta : Gp. Pross Group

Farland, M., 2013, Ilmu Administrasi negara, Jakarta : Alfabeta

Heizer dan Reider, 2014, Metodelogi Penelitian Sosial, Jakarta : IN MEDIA

Lubis Ibrahim dan Sukarno, 2015, Metodelogi Penelitian, Bandung : Mandar Maju

Porter, 2013, Pengantar Administrasi, Jakarta : PT.Elex media

Saladin, Djaslim,H, 2016, Dasar – Dasar Administrasi, Bandung : Bumi Akara

Stanton, J. William, 2016, Penelitian Administrasi, Jakarta : Salemba Empat

Tjiptono, Fandy, 2017, Pengantar Administrasi, Surabaya : IN MEDIA

Jurnal:

Abdullah, Mohamad Azmi, and Rosita Chong. "Financial Literacy: An Exploratory Review of the Literature and Future Research." Journal of Emerging Economies & Islamic Research 2.3 (2014).

Ali, M. (2009). Pendidikan untuk pembangunan nasional: menuju bangsa Indonesia yang mandiri dan berdaya saing tinggi. Grasindo.

Andryani, Y. D. (2018). Inklusivitas Program" Laku Pandai" (Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif)(Studi Deskriptif Pada Bank Rakyat Indonesia Kantor Cabang Krian) (Doctoral dissertation, Universitas Airlangga).

Dewi, T. B. R. (2017). Dampak Inklusi Keuangan (Financial Inclusion) Terhadap Efektivitas Kebijakan Moneter di Indonesia.

Dewi, V. I., & Barlian, I. (2017). Peran literasi keuangan terhadap perilaku mahasiswa dalam mengelola keuangan.

Fitriastuti, T., Sari, D. M., & Purnamasari, I. (2015). Implementasi Kuangan Inkluasi Bagi masyarakat Perbatasan (Studi Kasus pada Kutai Timur, Kabupaten Kutai Kartanegaran dan Kota Samarinda, Kalimantan Timur, Indonesia). SNEMA Universitas Negeri Padang.

Harahap, Berry A., et al. "Perkembangan Financial technology Terkait Central Bank Digital Currency (CBDC) Terhadap Transmisi Kebijakan Moneter Dan Makroekonomi." Bank Indonesia. Retrieved from https://www.bi.go.id/id/publikasi/wp/Documents/WP-2-2017. pdf% 0A (2017).

Hidayat, A. (2017). Peran OJK (Otoritas Jasa Keuangan) Dalam Meningkatkan Literasi Keuangan Pada Masyarakat Terhadap Lembaga Jasa Keuangan (Studi di Kantor OJK Purwokerto) (Doctoral dissertation, IAIN Purwokerto).

Marlina, L., & Rahmat, B. (2018). Peran Lembaga Keuangan Syariah Dalam Mengimplementasikan Keuangan Inklusif Bagi Pelaku UMKM Tasikmalaya. Jurnal Ecodemica, 2(1).

Marlina, L., & Rahmat, B. (2018). Peran Lembaga Keuangan Syariah Dalam Mengimplementasikan Keuangan Inklusif Bagi Pelaku UMKM Tasikmalaya. Jurnal Ecodemica, 2(1).

Muzdalifa, I., Rahma, I. A., & 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).

Roberto, A., & Jaka, W. (2018). Memahami Inklusi Keuangan.

Shen, Na. "Consumer rationality/irrationality and financial literacy in the credit card market: Implications from an integrative review." Financial Literacy and the Limits of Financial Decision Making. Palgrave Macmillan, Cham, 2016. 155-176.

Downloads

Published

2020-10-31

Issue

Section

Articles