Literasi Keuangan, Penggunaan Produk Keuangan Digital Dan Modal Sosial Terhadap Inklusi Keuangan Pelaku Usaha Mikro

Sinta Indriani (S1 Manajemen, Fakultas Ekonomi dan Bisnis,Universitas Dharma Andalas)
Sari Octavera (S1 Manajemen, Fakultas Ekonomi dan Bisnis,Universitas Dharma Andalas)

Jurnal Penelitian Dan Pengkajian Ilmiah Sosial Budaya
Vol. 5 No. 2 (2026): Juli

This study examines the influence of financial literacy, the use of digital financial products, and social capital on the financial inclusion of culinary MSMEs in Padang City. The main problem is the limited access of micro-entrepreneurs to formal financial services despite their important role in the economy. This study aims to analyze the influence of variables partially and simultaneously on financial inclusion. A quantitative approach was used through the distribution of questionnaires to 100 respondents selected by purposive sampling. The results show that financial literacy and the use of digital financial products have a positive and significant effect on financial inclusion, while social capital has a negative and significant effect. Simultaneously, the variables have a significant effect on financial inclusion. These findings suggest that increasing financial literacy and the use of digital financial services can increase financial inclusion, while dependence on informal social networks can reduce access to formal financial institutions.