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All Journal Jurnal Ilmiah Manajemen Kesatuan Journal of Nonformal Education
Wati Susilawati
Universitas Garut, Indonesia
Economics, Econometrics & Finance Education Social Sciences

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Financial Inclusion: Analyzed from Financial Literacy and Use of Financial Technology Wufron Wufron; Wati Susilawati; Rohimat Nurhasan; Noor Aimi Binti Mohamad Puad
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.
The Influence of Participatory Digital Green Marketing on Tourists’ Pro-Environmental Behavior through Psychological Mechanisms Wati Susilawati; Risma Muhamad Ramdani; Jeri Cahyadi Saputra; Dudi Amarullah
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 4 (2026): JIMKES Edisi Juli 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i4.5380

Abstract

Growing concerns about environmental sustainability in tourism destinations have highlighted the need to understand factors that encourage tourists to engage in environmentally responsible behavior. The purpose of this study is to examine the influence of participatory digital green marketing on tourists’ pro-environmental behavior in the context of sustainable tourism, as well as to investigate the mediating roles of environmental knowledge, environmental awareness, and place identity in explaining the psychological mechanisms that drive sustainable behavior. Using a quantitative explanatory survey and Structural Equation Modeling (SEM) analysis, the article discusses the integration of green marketing with community-based tourism narratives. Data results reveal that participatory digital green marketing has a positive impact on all studied variables. However, the main findings indicate that only environmental awareness significantly mediates the relationship between participatory digital green marketing and tourists’ pro-environmental behavior, whereas environmental knowledge and place identity do not. These results suggest that enhancing tourists’ environmental awareness through participatory digital engagement is the most effective mechanism for promoting environmentally responsible behavior in traditional tourist destinations. This study contributes a new model for sustainability-oriented marketing rooted in local culture.
Co-Authors Dudi Amarullah Jeri Cahyadi Saputra Noor Aimi Binti Mohamad Puad Risma Muhamad Ramdani Rohimat Nurhasan Wufron Wufron