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All Journal Jurnal Inovasi Kebijakan (JUMPER) Science Information System and Technology Technopreneurship and Educational Development Review (TENDER)
Ala, Helda Marlin
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Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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The Impact of Mobile Banking Adoption, Financial Inclusion Programs, Perceived Services Accessibility, and Trust in Financial Institutions on the Financial Empowerment of Rural Communities Manafe, Mesri Welhelmina Nisriani; Fanggidae, Herny Constantia; Pattiruhu, Fransina; Ala, Helda Marlin; Hendrik, Nitaniel
Journal Management & Economics Review (JUMPER) Vol. 3 No. 8 (2026): February
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i8.865

Abstract

This study examines the impact of mobile banking adoption, financial inclusion programs, perceived service accessibility, and trust in financial institutions on the financial empowerment of rural communities. Using a quantitative research design, data were collected through structured questionnaires from 400 adult residents in rural areas. Descriptive statistics, reliability tests, correlation analysis, and multiple regression analysis were conducted to explore the relationships among the variables. The results indicate that all four factors significantly and positively influence financial empowerment, with mobile banking adoption emerging as the strongest predictor. Financial inclusion programs, trust in financial institutions, and perceived service accessibility also contribute meaningfully, highlighting the importance of a multifaceted approach to enhancing financial capabilities in rural populations. The study underscores the need for integrated strategies that combine technology adoption, institutional support, improved service accessibility, and trust-building measures to promote sustainable financial empowerment. These findings provide valuable insights for policymakers, financial institutions, and development practitioners seeking to enhance economic resilience and autonomy in rural communities.
The Role of Green Financial Literacy, Sustainable Awareness, Green Banking Products, and Regulatory Support in Shaping Consumer Adoption of Sustainable Finance Services Ala, Helda Marlin; Hendrik, Nitaniel; Manafe, Mesri Welhelmina Nisriani
Journal Management & Economics Review (JUMPER) Vol. 3 No. 8 (2026): February
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i8.864

Abstract

This study investigates the role of green financial literacy, sustainable awareness, green banking products, and regulatory support in shaping consumer adoption of sustainable finance services. With increasing global emphasis on environmental sustainability, understanding the factors influencing consumer engagement with green financial products is essential for promoting responsible financial behavior. Using a quantitative approach, data were collected from 250 consumers via structured questionnaires and analyzed using Structural Equation Modeling (SEM). The results indicate that all four factors significantly and positively influence adoption behavior, with green financial literacy having the strongest effect, followed by sustainable awareness, green banking products, and regulatory support. These findings highlight the need for a holistic strategy that integrates knowledge enhancement, awareness programs, accessible product offerings, and robust regulatory frameworks to foster sustainable financial practices. The study provides theoretical contributions by linking financial literacy, environmental awareness, product innovation, and institutional support to adoption behavior, and practical implications for policymakers, financial institutions, and educators in advancing sustainable finance markets.
Co-Authors Hendrik, Nitaniel Herny Constantia Fanggidae Lerrick, Yudith F. Mesri Welhelmina Nisriani Manafe Pattiruhu, Fransina Saduk, Lispridona Magdalena