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All Journal Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen
Setiawan, Moh. Agung
Unknown Affiliation
Decision Sciences, Operations Research & Management Education

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THE MEDIATING ROLE OF SOCIAL CAPITAL IN THE RELATIONSHIP BETWEEN FINANCIAL LITERACY AND FINANCIAL INCLUSION Setiawan, Moh. Agung; Salim, Ubud; Khusniyah, Nur
Jurnal Aplikasi Manajemen Vol. 19 No. 4 (2021)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2021.019.04.07

Abstract

The purpose of this study is to examine the mediating role of social capital in the relationship between financial literacy and financial inclusion in the Malang Raya region. The unit of analysis used in this study is the people in Malang City, Malang Regency, and Batu City. The sampling technique used was proportionate stratified random sampling. Data analysis in this study used Partial Least Square (PLS). The results of this study indicate that financial literacy has a significant effect on financial inclusion. Financial literacy has a significant effect on social capital, social capital significantly affects financial inclusion, and social capital mediates the relationship between financial literacy and financial inclusion. This result shows that social capital has a partial mediating role, meaning that the effect on financial inclusion goes through the main predictor variable, financial literacy and social capital. Therefore, the local government can take advantage of policies related to social capital to impact efforts to improve financial inclusion in the community and regional economic conditions. This study also explained that, in general, the people in the Malang Raya region had good financial literacy. Future studies should use qualitative exploration by conducting interviews with respondents to explain other phenomena, especially for people geographically unbankable.
ANALISIS KETERKAITAN INKLUSI KEUANGAN TERHADAP PERILAKU KEUANGAN PERSONAL MASYARAKAT DI WILAYAH KOTA DAN KABUPATEN PROVINSI JAWA TIMUR Setiawan, Moh. Agung
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The aims of this research are to determine the condition of financial inclusion in the cities and regencies in East Java province, moreover to examine and analyze the influence of index of financial inclusion on personal financial behavior. Index of financial inclusion is measured through indicators of banking penetration, accessibility of banking, and the usage of bank account. Personal financial behavior is measured by using several indicators, namely budget creating, funding (financial resources), budget allocations, expenditures, and evaluation of money usage. This type of research is explanatory with a quantitative approach. Population data in this research are 38 cities/regencies in East Java province. The sample used are 31 cities/regencies consist of 9 cities and 22 regencies were taken using stratified random sampling technique. The analytical method used is the analysis of the index of financial inclusion and simple linear regression analysis. The result of this research showed that the index of financial inclusion of each city and district in East Java province is different. The majority of cities have a high index of financial inclusion while the regencies have a low index of financial inclusion. The result also prove that  the index of financial  inclusion has significant positive impact on personal financial behavior. Keywords:  Access  of  Financial  Services,  Index  of  Financial  Inclusion,  Financial Inclusion, Personal Financial Behavior
Co-Authors Nur Khusniyah Indrawati Ubud Salim