PENGARUH PENGGUNAAN FINTECHTERHADAP PERKEMBANGAN LITERASI DAN INKLUSI KEUANGAN PADA UMKM DI KOTA BENGKULU

Penulis

  • Nina Yulianasari Universitas Prof Dr Hazairin SH Bengkulu
  • Helvony Mahrina

DOI:

https://doi.org/10.32663/crmj.v4i1.1935

Kata Kunci:

Financial Technology, Financial Literacy, Financial Inclusion

Abstrak

This study aims to determine the effect of the use of Fintech on financial literacy and inclusion in Micro, Small and Medium Enterprises (MSMEs) in Bengkulu City. The benefits of this research are as material for consideration and additional information in developing strategies to increase financial literacy and financial inclusion, especially those related to the provision of Fintech-based financial services.The data used in this study are primary data, using a questionnaire distributed to respondents (MSME actors in Bengkulu City), observation and documentation. The analytical tool used is to use quantitative methods with the help of SPSS 21.00.The results showed that the use of fintech has an effect on financial literacy and inclusion in Micro, Small and Medium Enterprises (MSMEs) in Bengkulu City. The limitation in this study is the lack of the number of respondents in returning the questionnaire.With the development of fintech in Bengkulu City and the use of fintech services for MSME players in Bengkulu City, it can open access to business finance more easily and quickly from banking institutions and savings and loan corrections. In addition, the use of application features is used as an effort to market MSME products. The role of fintech in financial inclusion in MSMEs is that Fintech contributes greatly to the empowerment of MSMEs and the local economy. In addition, the use of Fintech for MSME players in Bengkulu City can increase financial literacy in the field of economics

Referensi

Alimirruchi, W. (2017). Analyzing Operational and Financial Performance on The Financial Technology (Fintech) Firm (Case Study on Samsung Pay).Ariyanti (2018). Makin Menggurita. Ini Aturan Baru Pengawasan Fintech di Indonesia. Bank Indonesia. (2019). Edukasi Financial Technology. Badan Pusat Statistik Bengkulu. (2020). Djawahir, A. (2018). Teknologi-Layanan Keuangan, Literasi-Inklusi Keuangan, dan Value pada Fintech di Indonesia. Second Proceedings for Muslim Scholars Teknologi-Layanan Keuangan. UNIRA Malang. 21-22 AprilFinancial Stability Board (FSB). 2017. FinTech credit: Market structure, business model and financial stability implications.Galang. (2017). Analisis tingkat Literasi Keuangan Mahasiswa.Hidayatullah, A. Dan Ainy R.N. (2019). Peningkatan Akuntabilitas Keuangan Kelompok UMKM Aisyiah Bantul melalui pelatihan pembukuan dan perpajakan. Jurnal Seminar Nasional Hasil Pengabdian Kepada Masyarakat. 681-686.Muzdalifa, I.,Rahma.,I.A. dan Novalia. B.G. (2018). Peran Fintech Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia (Pendekatan Keuangan Syariah). Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 3 (1): 1-24. OJK. (2016). FAQ: Kategori Umum.Rasyid, M. A.Z dan Setyowati, R.I. (2017). Crowdfunding Syariah Untuk Pengembangan Produk Perbankan Syariah Dari Perpekstif Shariah Compliance. Diponegoro Law Journal, 6(4), 1-16.Saadiah, R. (2019). Peran Lembaga Keauangan Keuangan Terhadap Pengembangan Umkm Di Kota Malang. Jurnal Pangripta, 2 (1): 321-332.Sugiyono.2012.MetodePenelitian Kuantitatif,Kualitatif,dan R&D. Bandung:Alfabeta.Widiyati, S.,Wijayanto, E., & Prihatiningsih. (2018). Financial Literacy Model at Micro Small Medium Enterprise (MSMEs). Mimbar. 34 (2). 255-264.World, Bank. (2016). Fintech And Financial Indonesia. Word Bank Group

Unduhan

Diterbitkan

2021-06-30

Terbitan

Bagian

Articles