INKLUASI KEUANGAN PADA UMKM DI KECAMATAN BALONGPANGGANG KABUPATEN GRESIK
DOI:
https://doi.org/10.59407/jmie.v1i2.418Abstract
Inklusi keuangan sebagai upaya optimalisasi meningkatkan kemudahan transaksi dan perekonomian masyarakat. Riset ini bertujuan untuk menganalisi impact dari literasi keuangan, financial technology dan financial behavior terhadap inklusi keuangan pelaku UMKM di Kecamatan Balongpanggang Kabupaten Gresik Jawa Timur. Penelitian menggunakan data primer. Sampel penelitian ini adalah 316 UMKM terdiri sektor pertanian, makanan/minuman, dan retail hingga penjualan fashion. Teknik pengambilan sampel yang digunakan adalah random sampling dengan analisis regresi linier berganda. Hasil penelitian ini temuan ini dapat memberikan kontribusi pada pemahaman kita tentang literasi keuangan dan inklusi keuangan secara parsial literasi keuangan tidak berpengaruh signifikan terhadap inklusi keuangan pelaku UMKM di Kecamatan Balongpanggang, Gresik, sedangkan financial technology dan financial behaviour berpengaruh signifikan terhadap inklusi keuangan pelaku UMKM di Kecamatan Balongpanggang, Gresik. Variabel literasi keuangan, financial technology dan financial behavior secara serempak berpengaruh signifikan terhadap inklusi keuangan
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