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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Natapraja : Kajian Ilmu Administrasi Negara Jurnal Algoritma Journal of Nonformal Education MABIS: Manajemen dan Bisnis Business Innovation and Entrepreneurship Journal Jurnal Wacana Ekonomi Ilomata International Journal of Management Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Journal of Economics and Business UBS Ilomata International Journal of Management SABBHATA YATRA : Jurnal Pariwisata dan Budaya ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Bima Journal : Business, Management and Accounting Journal Jurnal Algoritma JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Malcom: Indonesian Journal of Machine Learning and Computer Science Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) JURNAL PARADIGMA: Journal of Sociology Research and Education Jurnal Media Pengabdian Komunikasi Jurnal Aplikasi Manajemen & Kewirausahaan MASSARO Sinergi International Journal of Logistics Sinergi International Journal of Management and Business Journal of Nonformal Education
Wufron Wufron
[SINTA ID: 6686761], Fakultas EKonomi Universitas Garut
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : Journal of Nonformal Education

 1 
Financial Inclusion: Analyzed from Financial Literacy and Use of Financial Technology Wufron, Wufron; Susilawati, Wati; Nurhasan, Rohimat; Puad, Noor Aimi Binti Mohamad
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.
Co-Authors Abdul Fatah Hassanudin Aji Abdul Wahid Akbari, Rizky Ayu Akmala Hadita Aldo Febrianka Alia Tri Utami Alkautsar, Muslim Alvi Syahrin Arrasyid, Fuji Fitriana Ayu Hilda Inaya Ayuni, Sri Basit, Acep Abdul Bekti, Surya Garian Berliani, Syifa Bisma Ekalayang Ichanudin Bisma Jatmika Tisnasasmita Cecep Hamzah Pansuri Cupiadi, Hedi dewi, artika Dhamayanty, Stanny Diana Aulia Rahayu Dody Hermana Eliya Fatma Harahap Fahmi, Jajang Ahmad Fakhrun Shiddieq, Diqy Fauziah, Hanifah Febriani, Arini Fikri Fahru Roji Garliani, Gita Hamdani, Nizar Alam Handayani, Tia Fitria Handayani, Wulan S Hanifah, Hani Siti Harahap, Eliya Fatma Hermina, Tinneke Hermina, Tinneke Jaman, Mohamad Badru Jatmika, Bisma Judijanto, Loso Kaila Sapana Dania Kurnaeli Kurnaeli Kurniawan, Deri Alan Kusmiati, Eti Lestari, Amik Ayu Magnaz Lestira Oktaroza Maria Rahmawati Mohammad Toha, Mohammad Mubarok, Syachrul Muchtar muchtar Muharam, Husni Muminin, Riyadh Sabilul Munawi, Ahmad Syarif Nissa Agniya Resmisari Nizmah Fitri Sani Nugraha, Moh Rizky Nurhasan, Rohimat Nuroni, Rizqia Zahira Nursifa, Dea Puad, Noor Aimi Binti Mohamad Pupung Pundenswari, Pupung Puspo Dewi Dirgantari Rani Rahmayani Ratih Hurriyati Ridwan Ridwan Riyad Sabilul Muminin Rizkia, Agnia Suci Sabilulmumin, Riyad Siska Marlina Solehah, Fitri Nur Soviyan Munawar Sunda Prabawa, Gitta Agdella Atmaja Sundapa, Deden Syarif Munawi, Ahmad Taofiqurrohman, Hendra Tri Lestari, Febrianti Wandini Rohmatin Sariyani Wati Susilawati Wati Susilawati, Wati Wisnu Wardani Yosep Septiana YUSUF, RAMAYANI Ziliwu, Randy Samadaya Zulfa, Siti Azizah