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All Journal Paradoks : Jurnal Ilmu Ekonomi Journal of Nonformal Education
Rohimat Nurhasan
Universitas Garut, Indonesia
Education Social Sciences

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Financial Inclusion: Analyzed from Financial Literacy and Use of Financial Technology Wufron Wufron; Wati Susilawati; Rohimat Nurhasan; Noor Aimi Binti Mohamad Puad
Journal of Nonformal Education Vol. 12 No. 1 (2026): Community empowerment and Adult education
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jone.v12i1.22506

Abstract

This study aims to determine how financial inclusion in Garut Regency is influenced by fintech usage and financial literacy. The research focuses on the relationship between financial literacy, fintech usage, and the level of financial inclusion among the people of Garut Regency, particularly in the context of regional financial digitalization. The research approach used is quantitative, employing descriptive and verification methods. Data analysis is conducted using multiple regression to examine the influence of fintech and financial literacy on financial inclusion. The population of this study consists of residents of Garut Regency who use fintech services. The research sample is selected using a specific technique appropriate to the study’s objectives. Data is collected through surveys using questionnaires and literature studies to support analysis and discussion. The findings indicate that financial literacy has a positive and significant impact on financial inclusion. Fintech usage also contributes positively and significantly to increasing financial inclusion in society. This study presents a new perspective by discussing the use of fintech in society through dimensions of perception, attitude, intention, and satisfaction related to financial literacy on financial inclusion. Furthermore, this study is conducted in Garut Regency, which has not been extensively researched before, and is related to the implementation of the Regional Financial Access Acceleration Team and Electronification of Regional Government Transactions in promoting financial literacy and inclusion in the region.
Strategi Pengembangan Kapasitas UMKM Mikro di Desa Neglasari melalui Program Pelatihan dan Pendampingan Fahrul Hadi Kusama; Bang Bang Cahyana; Aradheadwiputra; Rohimat Nurhasan; Zulkifli Adnan
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.2003

Abstract

UMKM Kowi Emak Ecin di Desa Neglasari merupakan salah satu UMKM mikro yang menghadapi berbagai keterbatasan, khususnya pada aspek branding, inovasi produk, digitalisasi pemasaran, dan literasi keuangan. Penelitian ini bertujuan untuk mengembangkan kapasitas usaha melalui program pelatihan dan pendampingan berbasis Participatory Action Research (PAR). Kegiatan dilaksanakan selama 33 hari dengan melalui empat tahapan utama: identifikasi masalah, perencanaan intervensi, pelatihan dan pendampingan, serta monitoring dan evaluasi. Hasil penelitian menunjukkan adanya peningkatan signifikan dalam pemahaman dan keterampilan mitra terkait penetapan merek dan desain logo, diversifikasi inovasi produk—termasuk pengembangan ukiran kowi yang dipadukan dengan lilin aromaterapi—serta peningkatan pemanfaatan media digital untuk pemasaran. Selain itu, mitra mulai menerapkan sistem pencatatan keuangan sederhana sebagai dasar pengelolaan usaha yang lebih terstruktur. Temuan monitoring pascaprogram mengindikasikan bahwa perubahan tersebut diterapkan secara konsisten dan berkontribusi terhadap penguatan daya saing serta keberlanjutan usaha. Secara keseluruhan, pendekatan PAR terbukti efektif sebagai strategi pengembangan kapasitas UMKM mikro, terutama dalam konteks pemberdayaan berbasis partisipatif. Studi ini memberikan kontribusi praktis dan teoretis bagi pengembangan model pendampingan UMKM yang holistik dan berkelanjutan, serta berpotensi mendukung peningkatan kesejahteraan ekonomi masyarakat desa.
Co-Authors Aradheadwiputra Bang Bang Cahyana Fahrul Hadi Kusama Noor Aimi Binti Mohamad Puad Wati Susilawati Wufron Wufron Zulkifli Adnan