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Journal : Study of Scientific and Behavioral Management (SSBM)

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Peran Fintech, Literasi Keuangan dan Inklusi Keuangan terhadap Kinerja UMKM di Kota Makassar Rusdi; Nur Ikhsan, Muhammad; Syaharuddin, Syaharuddin
Study of Scientific and Behavioral Management Vol 4 No 3 (2023): Financial Technology Management
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i3.41353

Abstract

The third national survey of financial literacy and inclusion (SNLIK) conducted by the financial services authority (OJK) in 2019 showed that the financial literacy index had increased by 8.33% compared to the previous SNLIK in 2016 and similarly the financial inclusion index had also increased. amounting to 8.39% from before. The rapid development of technology in the financial services sector also requires Indonesian people to be able to adapt. Thus, this research aims to determine the effect of financial literacy on financial inclusion with financial technology as an intervening variable in MSMEs in the city of Makassar. This research uses primary data and secondary data. The sampling technique in this research was using a probability sampling technique, so the number of samples in this research was 348 respondents. The data analysis technique in this research is using Structural Equation Modeling (SEM) using SmartPLS version 3.0 for Windows. The results of this research show that financial literacy has a positive effect on financial inclusion, financial literacy has a positive effect on financial technology, financial technology has a positive effect on financial inclusion, and financial literacy has a positive effect on financial inclusion through financial technology.
Co-Authors -, Maison Abdi Hudzaifah Kosasih Adi Wahyu Adnan Afriani, Arikah Putri Ahmad Rifa'i Ainur Rachman Andi Surya Anugerah Andrayani, Anisa Anisa Ainun Nalda Annisa Utami Anwar, Zakiyah Arara, Fakhriya Bilad Armiani Asmaul Husnah Amri Asra, Ridho ASRAWATI Asriani Binahayati Rusyidi Chaeril Syafri Damrus, Damrus Deni Kurniadi Sunjaya Desiana Dessy Wardiah, Dessy Dhita Tsurayya Dwi Pramesti. Y Elsa Lisanti Endang Kartini Endang Mayora Endro, Eki Ermiati Ervizal AMZU Eva Chundrayetti Faida Musa’ad Faizatul Fajariah Fatmawati Saloko Fitrisia, Azmi Fiza Al Zenyta, Navynda Gema Hista Medika Haida Fitri Hamdi Harmen Hamdi Harmen Haria, Yesaya Hendra Naldi Henny Setyawati Henra Malik Hidayani Hidayat, Muhammad Rahmat I MADE SUARDANA Iltvia Indra Ihsan Inka Gustimaya, Nizarani Iskandar, Elsa Juliana, Serly Nufia Junaidi Junaidi Karomah, Ana Khaerul Hadi Khotmi, Herawati Kisnawati, Baiq Kurnia Rakhman, Dedi Laili Rahayuwati Lalu Mimbar Lisantie, Elsa M. Firdaus , Bambang Budiansyah, Kastana Sapanli, Aprianty , Gustav M. Irsyad , M. Firdaus M. Ilham Akbar Sabri M. Imamuddin Mardani Marshanda Yuwinancy Mayetti Minahari Minarny Gobel Moh Habibuddin Morisna, Titin MUHAMMAD ALI Muhammad Aris Muhammad Rahmat Hidayat Muhammad Riska Mulyati Murisa, Wadah Muzakir Natasya, Kezia Salsia Nessa Ni Ketut Arunika Brahmantari Ni Luh Ayu Sekar Suryani Nirmalasari Nur Ikhsan, Muhammad Nuri Andarwulan Nuruddaroini, M. Ahim Sulthan Nurul Ichsan Olga Putri Cahyani Primadhika Al Manar Rachmadani, Fairuz Najla Rachmaniar, Vira Adistya Rahmanizar, Cut Sarah Rahmi Lestari Ratna Wardani Ratna Yuliawati Restuning Widiasih Rezki, Wenny Rahmalia Ria Kilala Riantoni, Cicyn Ricky Febriansyah Rinang Mariko Rizanda Machmud Rizhal Hendi Ristanto Rizky Pratama Putra Perkasa Robi Budi Yandra Roswita Rosy Hutami Roza Sani Aidah Ruslan Rusli Saputra, Rifky Adi Sari Utami Hidayati Sari, Citra Windani Mambang Sari, Deva Dewiyana Slamet Wahyudi SRI RAHAYU SUGIYANTO Sukma Hidayat Kurnia Abadi Supriadi Supriadi Surahman Hidayat Sutriyono Su’da Al Muntazah Syaharuddin Sylvetri Lestari Tasnim Rahmat Tasya, Ananda Taufiq Abdulah Trisnawati, Nika Fetria Tung, Serene En Hui Ulfiyani Asdiansyuri Upik Yelianti Virginia, Zana Wahdini Wahidin, Nurhalis Wedra Aprison Wulan Agus Utami, Annisa Yuliati, Ni Nyoman Yusri Dianne Jurnalis Zainal Putra Zubaidillah, Muh. Haris Zulkifli