Pengaruh Financial Technology Terhadap Inklusi Keuangan Umkm Binaan Bank Indonesia Lhokseumawe

Authors

  • Nur Afni Yunita Malikussaleh University
  • Wahdayani Wahdayani Malikussaleh University
  • Rany Gesta Putri Rais Malikussaleh University
  • Muhammad Yusra Malikussaleh University

DOI:

https://doi.org/10.29103/e-mabis.v25i1.1270

Keywords:

Cashless payment, Fintech, Financial Inclusion, Market Aggregator, Risk and Investment Management.

Abstract

This study aims to analyze the effect of financial technology on financial inclusion UMKM Binaan Bank Indonesia Lhokseumawe. This quantitative study using primary data sources and secondary data. The data collection technique in this research uses a questionnaire. Data analysis uses multiple linear regression analysis using SPSS. The samples are 48 UMKM Binaan Bank Indonesia Lhokseumawe taken using a sampling jenuh  technique. The result using a partial test reveal that Cashless Payment type fintech has a positive effect on financial inclusion UMKM Binaan Bank Indonesia Lhokseumawe. Market Aggregator type fintech has a positive effect on financial inclusion UMKM Binaan Bank Indonesia Lhokseumawe. Risk and Investment Management type fintech has a negative effect on financial inclusion UMKM Binaan Bank Indonesia Lhokseumawe.

References

Akyuwen, R, dan J Waskito. 2018. Memahami Inklusi. Keuangan. Yogyakarta: UGM Press.

Alimbudiono, R. S. 2019. Konsep Pengetahuan Akuntansi Manajemen Lingkungan. Surabaya: Jakad Media Publihing.

Ardiansyah, T. 2019. “Model Financial dan Teknologi (Fintech) Membantu Permasalahan Modal Wirausaha UMKM di Indonesia.†Majalah Ilmiah Bijak 16(2): 158–66.

Atarwaman, R et al. 2023. “Pengaruh Financial technology Terhadap Inklusi Keuangan UMKM Pengguna QRIS.†Jurnal Akuntansi Kontemporer 15(2): 143–54.

Audriene, D, dan C. N Nababan. 2016. “OJK Waspadai Empat Risiko Bisnis Fintech.†https://www.cnnindonesia.com/ekonomi/20160419134722-78-12500/ojk-%0Awaspadai-empat-risiko-bisnis-fintech (Januari 23, 2024).

Avianti, I, dan Triyono. 2021. Ekosistem Fintech di Indonesia. Jakarta: PT. Kaptain Komunikasi Indonesia.

Bakhtiar, F et al. 2022. “Analisis Literasi Keuangan dan Financial technology terhadap Inklusi Keuangan pada Pelaku UMKM Perempuan.†Jurnal Akuntansi dan Keuangan 19(2): 260–68.

Dewi, M. A. 2020. “Dampak Fintech Terhadap Perkembangan Inklusi Keuangan Pada UMKM di Jawa Timur.†Gorontalo Accounting Journal 3(2): 68–83.

Eton, M et al. 2021. “Financial Inclusion and The Growth Of Small Medium Enterprises In Uganda: Empirical Evidence From Selected Districts In Lango Sub Region.†Journal of Innovation and Entrepreneurship 10(23): 1–23.

Fatihuddin, D. 2020. Metodologi Penelitian untuk Ilmu Ekonomi, Manajemen dan Akuntansi. Sidoarjo: Ziatama Publisher.

Ghozali, Imam. 2018. Aplikasi Analisis Mulivariate dengan Program IBM SPSS 25. Semarang: Undip Press.

Hadijah, S. 2021. “Robo Advisor: Pengertian, Cara Kerja dan Manfaatnya dalam Investasi.†https://www.cermati.com/artikel/robo-advisor-%0Apengertian-cara-kerja-dan-manfaatnya-dalam-investasi (Desember 24, 2023).

Hakim, L, dan R. A Hapsari. 2020. Financial Technology LAW. CV. Adanu. Indramayu.

Holle, M, dan M Shalihah. 2022. Inklusi Keuangan: Lembaga Keuangan Mikro di Indonesia. Duta Media. Pamekasan.

Indonesia, Bank. 2018. “Mengenal Financial Teknologi.†https://www.bi.go.id/id/edukasi/Pages/mengenal-Financial-Teknolog (Januari 9, 2024).

Indonesia, OJK. 2023. “Infografus Survei Nasional Literasi dan Inklusi Keuangan Tahun 2022.â€

Junaidi, M. 2023. “UMKM Hebat, Perekonomian Nasional Meningkat.†https://djpb.kemenkeu.go.id/portal/id/berita/lainnya/opini/4133-%0Aumkm-hebat,-perekonomian-nasional-meningkat (Desember 23, 2023).

Manuntung, A. 2018. Terapi Perilaku Kognitif. Malang: Wineka Media.

Marginingsih, R. 2021. “Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19.†Jurnal AKuntansi dan Keuangan 8(1): 56–64.

Marlina, L et al. 2020. “Cashless Dan Cardless Sebagai Perilaku Transaksi Di Era Digital: Suatu Tinjauan Teoretis Dan Empiris.†Jurnal Ilmiah Manajemen dan Ilmu Sosial 3(2): 533–42.

Muzdalifa, I et al. 2018. “Peran Financial Technology Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia (Pendekatan Keuangan Syariah).†Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah 3(1).

Raharjo, B. 2021. Fintech Teknologi Finansial Perbankan Digital. Semarang: Yayasan Prima Agus Teknik.

Sugiyono. 2019. Metodologi Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.

Downloads

Published

2024-04-29

Issue

Vol. 25 No. 1 (2024): April

Section

Articles

License

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).