Pengaruh Teknologi Keuangan Terhadap Inklusi Keuangan (Studi pada Penggunaan E-Wallet pada Mahasiswa S2 Univeristas Negeri Malang)
DOI:
https://doi.org/10.31539/budgeting.v6i2.13317Abstract
This research aims to analyze the effect of financial technology on financial inclusion among Masters Students at the State University of Malang. This study uses quantitative methods with descriptive and explanatory research types. The sampling technique uses non probability sampling and is carried out using purposive sampling. The sample in this research was Master's students at the UM who used e-wallets for financial transactions. The data collection technique uses a questionnaire. The data obtained was then analyzed using simple regression analysis techniques with using SPSS software.
Keywords: E-Wallet, Financial Inclusion, Financial Technology.
References
Ajzen, I., & Fishbein, M. (1975). A Bayesian analysis of attribution processes. Psychological bulletin, 82(2), 261.
Dewi, M. A. (2020). The impact of fintech towards financial inclusion development in umkm in east java dampak fintech terhadap perkembangan inklusi keuangan pada UMKM di jawa timur. Gorontalo accounting journal, 3(2).
Erlianta, N. R., Lupikawaty, M., & Andriyani, T. (2021, January). The Effect of Financial Technology on Financial Inclusion SMEs in Palembang City. In 4th Forum in Research, Science, and Technology (FIRST-T3-20) (pp. 84-88). Atlantis Press.
Fitriah, F., & Ichwanudin, W. (2020). Faktor-Faktor Yang Mempengaruhi Inklusi Keuangan (Studi Pada Mahasiswa Magister Manajemen Universitas Sultan Ageng Tirtayasa). Jurnal Riset Bisnis dan Manajemen Tirtayasa, 4(2), 94-108.
Iriana, R. N. H. (2021). Pengaruh Fintech Terhadap Inklusi Keuangan Umkm Di Kota Magelang (Doctoral dissertation, Skripsi, Universitas Muhammadiyah Magelang).
Laut, L.T., dan Hutajulu, D.M. (2019). Kontribusi financial technology dalam meningkatkan inklusi keuangan di Indonesia, Fakultas Ekonomi, Universitas Tidar. Diakses dari https://jurnal.untidar.ac.id
Liliana, L., Hidayat, A., Atiyatna, D. P., Kahpi, M., & Saleh, S. (2021). Peran Fintech dalam meningkatkan keuangan inklusif UMKM. Jurnal Manajemen Dan Bisnis Sriwijaya, 19(2), 91-102.
Marini, M., Linawati, L., & Putra, R. E. (2020). Peran Fintech terhadap Inklusi Keuangan pada UMKM Tangerang Selatan. Keberlanjutan: Jurnal Manajemen Dan Jurnal Akuntansi, 5(2), 91.
Martini, M., Sardiyo, S., Septian, R., & Nurdiansyah, D. (2021). Understanding of financial literacy as a moderating variable on the effect of financial technology on financial inclusion in Lubuklinggau City, Indonesia. Journal of Economics, Finance and Accounting Studies, 3(2), 140-151.
Marshanda, N. D., & Wulandari, D. A. (2024). Analisis faktor-faktor yang mempengaruhi pengelolaan keuangan (Studi pada Generasi X). Oikonomia: Jurnal Manajemen, 20(1), 1-16.
Morgan, P. J., & Long, T. Q. (2020). Financial literacy, financial inclusion, and savings behavior in Laos. Journal of Asian Economics, 68, 101197.
OJK. (2016). Peningkatan literasi dan inklusi keuangan di sektor jasa keuangan bagi konsumen dan/ atau Masyarakat
OJK. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Otoritas Jasa Keuangan, 1-99, https://www.ojk.go.id/id/berita-dankegiatan/publikasi/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-(Revisit2017)-aspx.
Ozili, P.K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18 (4), 329-340. https://doi.org/10.1016/j.bir.2017.12.003
Sugiyono. 2017. Metode Penelitian Kuantitatif, kualitatif dan R&D. Bandung : Alfabeta.
Tristiarto, Y., & Wahyudi, W. (2022). Analisis Literasi Keuangan dan Inklusi Keuangan Financial Technology
Terhadap Personal Finance Usaha Kecil dan Menengah Di Kabupaten Lebak Banten. Ikraith-Ekonomika, 5(1), 190-200.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Aditya Putra Wardanu, Fadhilah Nur Oktaviani, Shafa Annisa Puspasari, Ely Siswanto
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
