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All Journal International Journal of Community Engagement Payungi
Wiwit Ary Nugroho
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Religion Humanities Economics, Econometrics & Finance Education

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The Influence of Financial Literacy and Financial Technology on Member Loyalty in the Ikhlas Cooperative, Cilacap Wiwit Ary Nugroho
International Journal of Community Engagement Payungi Vol. 5 No. 3 (2025): International Journal of Community Engagement Payungi
Publisher : Yayasan Payungi Smart Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58879/ijcep.v5i3.94

Abstract

This research aims to analyse the influence of financial literacy and the use of financial technology on cooperative members’ loyalty, with a particular focus on KKPRI Ikhlas Cilacap as a case study.The research method employs a quantitative approach through a survey of 300 respondents selected by purposive sampling from a total of 600 active cooperative members, using a four-point Likert scale questionnaire that has been tested for validity and reliability. Data analysis was carried out through classical assumption testing, multiple linear regression, as well as F-tests and t-tests to examine both simultaneous and partial effects. The findings reveal that financial literacy has a significantly positive impact on members’ loyalty by enhancing their ability to make rational financial decisions, while the adoption of fintech has a tangible effect on improving efficiency, transparency, and members’ trust. Further discussion confirms that the combination of sound financial literacy and appropriate fintech implementation can sustainably strengthen members’ loyalty, in line with the theoretical framework adopted. These findings contribute academically by enriching the literature on cooperative management in the digital era and provide practical recommendations for cooperative boards to enhance financial literacy education and optimise service digitalisation as a strategy to sustain member loyalty.
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