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All Journal Advances in Management & Financial Reporting
Anang Anang
Sekolah Tinggi Ilmu Ekonomi Yapis, Dompu, Indonesia
Economics, Econometrics & Finance

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The Impact of Service Quality and Accessibility of BRILink Agents on Financial Inclusion Anang Anang; Ega Saiful Subhan; Rizky Ramadhan
Advances in Management & Financial Reporting Vol. 4 No. 3 (2026): June - September
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/amfr.v4i3.963

Abstract

Purpose: This research aims to determine the effect of Agen BRILink's service quality and accessibility on community financial inclusion, hypothesizing positive and significant partial and simultaneous impacts. Research Method: A quantitative descriptive survey was conducted with 100 purposively sampled respondents (at least 18 years old, residents, and active users) in Manggelewa Sub-district, West Nusa Tenggara. The independent and dependent variables were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 3.0. Results and Discussion: Service quality and accessibility positively and significantly increase financial inclusion, both in partial and simultaneous effects. The structural model explains 68.9% of the variance in financial inclusion, with accessibility as the dominant driver, with a much larger effect size than service quality. Implications: Banks and financial authorities should prioritize rural spatial mapping for new agent placements and strengthen technical assistance to help agents maintain consistent transaction service. Originality: This study uniquely examines the effectiveness of branchless banking directly at the rural sub-district level, highlighting the interaction between geographical infrastructure barriers and grassroots financial behavior.
Co-Authors Ega Saiful Subhan Rizky Ramadhan