Pengaruh Literasi Keuangan, Penggunaan Digital Payment, dan Pendapatan terhadap Inklusi Keuangan di DKI Jakarta

Siti Aisyah Amini
Harya Kuncara Wiralaga
Karuniana Dianta Arfiando Sebayang

Kajian Ekonomi dan Akuntansi Terapan
Vol. 2 No. 2 (2025): Kajian Ekonomi dan Akuntansi Terapan (KEAT)

This research aims to analyze the influence of financial literacy, digital payment usage, and income on financial inclusion in DKI Jakarta. This study uses a quantitative approach with a survey method through questionnaires distributed to 157 respondents who are digital payment users aged 15-59 years, have an income, and reside in DKI Jakarta. The analysis results show that financial literacy, digital payment usage, and income each have a positive and significant impact on financial inclusion. The R² value of 0.588 indicates that 58.8% of the variation in financial inclusion can be explained by the variables of financial literacy, digital payment usage, and income. Meanwhile, the remaining 41.2% is explained by other factors not discussed in this study.