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All Journal Management Analysis Journal The Academy Of Management and Business (TAMB)
Siti Shobandiyah
Sekolah Tinggi Ilmu Ekonomi Totalwin
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan Dan Layanan Keuangan Berbasis Teknologi Terhadap Inklusi Keuangan (Studi Kasus pada UMKM di Kabupaten Demak) Astohar Astohar; Mirna Dyah Praptitorini; Siti Shobandiyah
The Academy Of Management and Business Vol 1, No 2 (2022): Juni
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (224.522 KB) | DOI: 10.55824/tamb.v1i2.147

Abstract

The development of fintech has led to several application innovations in financial services such as payment instruments, loan tools and others that are becoming known in this digital era. Some business actors such as MSMEs in Demak Regency have also used this financial technology (fintech) for the convenience of running a business. The survey results show that MSMEs are still not optimal in the use of fintech as well as the level of inclusion is still relatively low. The problem in this study is that there is a gap regarding the effect of financial literacy and technology-based fintech services on financial inclusion. The population in this study were all MSMEs in Demak Regency. Collecting data using cross section data with sampling method using accidental sampling. The analysis tool uses double step multiple regression by performing other tests such as normality test, classical assumption deviation test, goodness of fit test and coefficient of determination test. The results show that financial literacy has a significant positive effect on financial inclusion (H1 is proven) fintech-based financial services have a significant positive effect on financial inclusion (H2 is proven). This increasingly complex business world has an impact on the demands or desires of business people for speed in transactions which are constrained by distance and time. Increased knowledge and behavior as well as attitudes in the financial sector have an impact on the fulfillment of technology-based financial services as well as on increasing the use of financial applications
Utilization of Financial Technology Services to Increase Business Sustainability for MSMEs in Demak Regency Siti Shobandiyah; Septia Kurniati; Astohar Astohar
Management Analysis Journal Vol 12 No 4 (2023): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v12i4.75827

Abstract

Financial technology in Indonesia is currently developing very rapidly marked by the innovation of several applications in the field of financial services such as payment instruments, loan instruments and others that are becoming known in this digital era. Several business actors such as MSMEs in Demak Regency have also utilized this financial technology (fintech) to make it easier to run businesses. The survey results show that MSMEs are still not optimal in using fintech and the level of inclusion is still relatively low. The population in this study were all UMKM in the District of Demak Regency. Collecting data using cross sectional data with the sampling method using accidental sampling. The analysis tool uses multiple step multiple regression by carrying out other tests such as the normality test, the classical assumption deviation test, the fit test and the coefficient of determination test. The results of the study show that financial literacy has a significant positive effect on financial inclusion. Fintech-based financial services have a significant positive effect on financial inclusion. Financial skills have a significant positive effect on financial inclusion. MSMEs that are able to utilize financial technology are more capable of sustainability in business.
Co-Authors Astohar Astohar Mirna Dyah Praptitorini Septia Kurniati