THE EFFECT OF INDONESIAN MARKETPLACE ON FINANCIAL INCLUSION IN BANDUNG UNDERGRADUATE STUDENTS

• Main Author: Raymuna Pardamean Purba, Gorank
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/64433
• Institution: Institut Teknologi Bandung

Financial inclusion is one way to improve the economy through the use of financial services in the community. Financial inclusion is urgently needed by Indonesia nowadays to increase economic growth and the growth rate of young people who have just graduated from universities. The percentage of unemployment increase for undergraduate students has increased from 2017 to 2018 by around 2% (Thomas, 2019). This level of unemployment is also linear with the level of financial inclusion in these circles, which is still below the average national financial inclusion. The development of financial technology-based creates one easy way to use financial services in society. Just an example is the trading platform for buying and selling products that provide financial services. Based on the Multi Linear Regression test, there is a relationship between the trading platform of buying and selling products, especially marketplace type and increasing financial inclusion among undergraduate students. Factors that affecting are transaction usage and also strategic usage (looking for business opportunities). This trial was conducted using a questionnaire to 385 Bandung S1 students who used the Tokopedia and Bukalapak platforms. From this research, the trading platform of buying and selling products with kind marketplaces such as Tokopedia and Bukalapak can be used to improve financial inclusion with transactional and strategic usage by users.