PENGARUH LITERASI KEUANGAN TERHADAP INKLUSI KEUANGAN DENGAN MENGGUNAKAN SOCIAL CAPITAL SEBAGAI VARIABEL MEDIATOR

ULTIMA MANAJEMEN

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Field Value
 
Title PENGARUH LITERASI KEUANGAN TERHADAP INKLUSI KEUANGAN DENGAN MENGGUNAKAN SOCIAL CAPITAL SEBAGAI VARIABEL MEDIATOR
Indonesia PENGARUH LITERASI KEUANGAN TERHADAP INKLUSI KEUANGAN DENGAN MENGGUNAKAN SOCIAL CAPITAL SEBAGAI VARIABEL MEDIATOR
 
Creator Natalia, Maya Angela
KURNIASARI, FLORENTINA
Hendrawaty, Ernie
Oktaviani, Vina Medya
 
Description  
Abstract-MSMEs plays an important role to support Indonesia’s economic growth. There is an urgency to increase the financial literacy and skills for MSMEs, especially in managing their fund to make their businesses alive. The government believed that the financial literacy was one way to achieve the society prosperity by taking advantage from the collectivisim culture of Indonesian. This study is to examine the effect of financial literacy on financial inclusion by using social capital mediation at MSMEs in South Tangerang City. The questionnaires were distributed to some MSME’s district in South Tangerang regency. All data collection were furthered analyzed using Structural Equation Model on AMOS 24. The research showed that financial literacy does not affect financial inclusion, financial literacy affects social capital and social capital as a mediator variable on the relationship of financial literacy affects financial inclusion in MSMEs in South Tangerang City. It can be concluded that there is an influence of social capital that connects financial literacy to financial inclusion. All the stakeholders in the financial ecosystem in Indonesia, including financial institutions and the government as regulators, will be better to use the power of social capital to increase financial literacy and financial inclusion in Indonesia.
 Keywords: Financial Literacy, Financial Inclusion, Social Capital, SMEs, South Tangerang City 
 
Abstract-MSMEs plays an important role to support Indonesia’s economic growth. There is an urgency to increase the financial literacy and skills for MSMEs, especially in managing their fund to make their businesses alive. The government believed that the financial literacy was one way to achieve the society prosperity by taking advantage from the collectivisim culture of Indonesian. This study is to examine the effect of financial literacy on financial inclusion by using social capital mediation at MSMEs in South Tangerang City. The questionnaires were distributed to some MSME’s district in South Tangerang regency. All data collection were furthered analyzed using Structural Equation Model on AMOS 24. The research showed that financial literacy does not affect financial inclusion, financial literacy affects social capital and social capital as a mediator variable on the relationship of financial literacy affects financial inclusion in MSMEs in South Tangerang City. It can be concluded that there is an influence of social capital that connects financial literacy to financial inclusion. All the stakeholders in the financial ecosystem in Indonesia, including financial institutions and the government as regulators, will be better to use the power of social capital to increase financial literacy and financial inclusion in Indonesia.
Keywords: Financial Literacy, Financial Inclusion, Social Capital, SMEs, South Tangerang City
 
Publisher Universitas Multimedia Nusantara
 
Date 2020-06-19
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
 
Format application/pdf
 
Identifier http://ejournals.umn.ac.id/index.php/manajemen/article/view/1522
10.31937/manajemen.v12i1.1522
 
Source ULTIMA Management; Vol 12 No 1 (2020): Ultima Management : Jurnal Ilmu Manajemen; 16-33
Ultima Management : Jurnal Ilmu Manajemen; Vol 12 No 1 (2020): Ultima Management : Jurnal Ilmu Manajemen; 16-33
2549-404X
2085-4587
10.31937/manajemen.v12i1
 
Language ind
 
Relation http://ejournals.umn.ac.id/index.php/manajemen/article/view/1522/931
 
Rights Copyright (c) 2020 Maya Angela Natalia, FLORENTINA KURNIASARI, Ernie Hendrawaty, Vina Medya Oktaviani
http://creativecommons.org/licenses/by-sa/4.0
 

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