CONTRIBUTION OF FINANCIAL TECHNOLOGY TOWARDS FINANCIAL LITERACY AND FINANCIAL INCLUSION ON MICRO ENTERPRISE OWNER IN BANDUNG

• Main Author: Wilman, Salwaa
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/49494
• Institution: Institut Teknologi Bandung

With the development of fintech, people’s financial literacy is increasing because it helps the public to know what fintech services are being provided, such as financing, financial arrangements, and so on. Also, the most important part of the development of fintech is that people who do not have a bank accounts turn out to have other digital financial accounts. The purpose of this research is to know the contribution of financial technology towards financial literacy and financial inclusion on micro enterprise owners in Bandung. The researcher added demographic factors such as age, gender, and educational background since these three variables are also correlated with the use of fintech and can found in the level of financial literacy and the level of financial inclusion. The data for this research was collected through questionnaire and distributed to 370 respondents in Bandung and analyses using multiple linear regression. The result of this research that the index of financial literacy is in the moderate level, while the index of financial inclusion is in the high level. Based on the simultaneously hypothesis testing, that fintech, age, gender, and educational background are significantly contributing on both of financial literacy and financial inclusion.