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]

Florentina Kurniasari, Neskia Adyni

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.


Keywords


Shopee Pay; financial inclusion; financial literacy; financial technology; digital payment; inklusi keuangan; literasi keuangan; efikasi diri; teknologi finansial; pembayaran digital



DOI: http://dx.doi.org/10.19166/derema.v16i1.3150

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