PENGARUH LITERASI DAN EFIKASI DIRI TERHADAP INKLUSI KEUANGAN PADA PENGGUNAAN LAYANAN PEMBAYARAN DIGITAL SHOPEE PAY DI JABODETABEK [THE EFFECT OF LITERATION AND SELF-EFFICIENCY TOWARDS FINANCIAL INCLUSION ON THE USE OF SHOPEE PAY DIGITAL PAYMENT SERVICES IN JABODETABEK]

DeReMa Development Research of Management Jurnal Manajemen Pub Date : 2021-05-28 DOI:10.19166/DEREMA.V16I1.3150

Florentina Kurniasari, Neskia Adyni

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引用次数: 2

Abstract

The advancement of digital technology had affected many industries included financial sectors. The most famous financial technology was digital payment services. Financial technology was expected to support the Indonesian government program to increase financial inclusion. The objective of this study is to analyze the effect of financial literacy and self-efficacy to increase financial inclusion using the Shopee Pay digital payment services in Jabodetabek region as its research object. This is a causal research with quantitative methods and non-probability sampling techniques. This research distributed questionnaires among 191 respondents and furthered analyzed with linear multiple regression using IBM SPSS 26. The findings of the research showed that financial literacy and self-efficacy had a positive effect into financial inclusion. Abstrak dalam Bahasa Indonesia Perkembangan teknologi digital berpengaruh pada berbagai macam industri termasuk industri keuangan. Salah satu layanan keuangan berbasis teknologi yang paling popular adalah pembayaran digital. Teknologi finansial ini diharapkan dapat mendukung program pemerintah Indonesia dalam meningkatkan inklusi keuangan. Tujuan penelitian ini adalah untuk mengetahui pengaruh literasi dan efikasi diri pada bidang keuangan terhadap tingkat inklusi keuangan dengan objek penelitian layanan pembayaran digital Shopee Pay di wilayah Jabodetabek. Penelitian ini merupakan penelitian kuantitatif dan menggunakan teknik non-probability sampling . Penelitian ini menyebarkan kuesioner terhadap 191 responden dan selanjutnya diolah secara statistic dengan menggunakan IBM SPSS 26 dan metode regresi linear berganda. Hasil penelitian ini menunjukkan bahwa literasi keuangan dan efikasi diri pada keuangan berpengaruh positif terhadap inklusi keuangan.

查看原文本刊更多论文

金融包容性的文字化和自我效能对JABODETABEK使用SHOPEE-PAY数字支付服务的影响

数字技术的进步影响了包括金融部门在内的许多行业。最著名的金融技术是数字支付服务。预计金融技术将支持印尼政府提高金融包容性的计划。本研究的目的是以Jabodetabek地区的Shopee Pay数字支付服务为研究对象，分析金融素养和自我效能感对提高金融包容性的影响。这是一项采用定量方法和非概率抽样技术的因果关系研究。本研究在191名受访者中进行了问卷调查，并使用IBM SPSS 26进行了线性多元回归分析。研究结果表明，金融素养和自我效能感对金融包容性有积极影响。印尼文摘要最受欢迎的基于技术的金融服务之一是数字支付。这项金融技术有望支持印尼政府改善金融包容性的计划。本研究的目的是了解金融部门的识字率和自我效率对金融包容性水平的影响，研究对象是Jabodetabek地区的数字Shopee Pay支付服务。本研究为定量研究，采用非概率抽样技术。这项研究针对191个回答传播内聚力，然后使用IBM SPSS 26和双线性回归方法对其进行统计推导。本研究结果表明，金融文献和金融自我效能感对金融包容性有积极影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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DeReMa Development Research of Management Jurnal Manajemen

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审稿时长

20 weeks