scholarly journals The Role of Fintech: Financial Inclusion in MSMEs (Case Study in Makassar City)

2021 ◽  
Vol 8 (2) ◽  
pp. 268-275
Author(s):  
Khairina Rosyadah ◽  
Budiandriani Budiandriani ◽  
Tasrik Hasrat
Keyword(s):  
Financial Services ◽  
Quantitative Research ◽  
Financial Inclusion ◽  
Primary Data ◽  
Analytical Technique ◽  
Convenience Sampling ◽  
Use Of The Internet ◽  
Positive Effect

The development of information technology which is supported by the rapid use of the internet has created several fintech that will make it easier for people to get digital financial services. The Financial Services Authority stated that the increase in national financial inclusion could be triggered by one factor, namely increased access to the use of fintech. The purpose of this study aimed to determine the role of fintech on financial inclusion in MSMEs in Makassar. The population in this study are MSMEs in Makassar with a sample of 335 informants. Researchers used primary data in the form of questionnaires that were distributed online and offline. Convenience sampling method is used in data collection in this type of quantitative research. Linear regression was used as an analytical technique. This study concluded that fintech has a positive effect on financial inclusion by 0,259.

scholarly journals Peran Fintech terhadap Inklusi Keuangan pada UMKM Tangerang Selatan

KEBERLANJUTAN ◽  
2020 ◽  
Vol 5 (2) ◽  
pp. 91
Author(s):  
Marini Marini ◽  
Linawati Linawati ◽  
Rezi Eka Putra
Keyword(s):  
Financial Services ◽  
Quantitative Research ◽  
Sampling Method ◽  
Financial Inclusion ◽  
Primary Data ◽  
Analytical Technique ◽  
Convenience Sampling ◽  
Use Of The Internet ◽  
Positive Effect

The development of information technology which is supported by the rapid use of the internet has created several fintech that will make it easier for people to get digital financial services. The Financial Services Authority stated that the increase in national financial inclusion could be triggered by one factor, namely increased access to the use of fintech. The purpose of this study aimed to determine the role of fintech on financial inclusion in MSMEs in South Tangerang. The population in this study are MSMEs in South Tangerang with a sample of 487 informants. Researchers used primary data in the form of questionnaires that were distributed online and offline. The convenience sampling method is used in data collection in this type of quantitative research. Linear regression was used as an analytical technique. This study concluded that fintech has a positive effect on financial inclusion by 9%. ABSTRAKPerkembangan teknologi informasi yang didukung dengan pesatnya penggunaan internet memunculkan beberapa fintech yang akan mempermudah masyarakat untuk mendapatkan layanan keuangan secara digital. Otoritas Jasa Keuangan menyatakan bahwa peningkatan inklusi keuangan nasional dapat dipicu oleh salah satu faktor yaitu peningkatan akses dalam penggunaan fintech. Tujuan penelitian ini adalah untuk mengetahui peran fintech terhadap inklusi keuangan pada UMKM se Tangerang Selatan. Populasi dalam penelitian ini adalah pelaku UMKM di wilayah Tangerang Selatan dengan sampel sebanyak 487 informan. Peneliti menggunakan data primer berupa kuesioner yang disebar secara online dan offline. Penelitian ini merupakan jenis penelitian kuantitatif yang menggunakan metode convenience sampling dalam pengumpulan data. Riset ini menggunakan regresi linier untuk menganalisis data. Penelitian ini menghasilkan kesimpulan bahwa fintech memiliki pengaruh yang positif terhadap inklusi keuangan sebesar 9%.

scholarly journals Pengaruh Kualitas Layanan dan Keadilan Terhadap Kepatuhan Wajib Pajak Dengan Kepuasan Sebagai Variabel Mediasi

2020 ◽  
Vol 10 (2) ◽  
pp. 149-158
Author(s):  
Eka Febriani ◽  
Norra Isnasia Rahayu
Keyword(s):  
Service Quality ◽  
Tax Compliance ◽  
Sampling Technique ◽  
Primary Data ◽  
Probability Method ◽  
Significant Positive Effect ◽  
Mediating Role ◽  
Convenience Sampling ◽  
Positive Effect

This study aims to examine the effect of service quality and fairness on taxpayer compliance and the mediating role of satisfaction in the effect of service quality and fairness on taxpayer compliance. The population of this research is individual local taxpayers in Samarinda. The sample of this study is 164 respondents selected using non probability method with convenience sampling technique. This study uses primary data obtained from seven-scale Likert questionnaires. The data were analyzed using path analysis in SPSS. The results of this study show that, first, service quality has a significant positive effect on satisfaction and taxpayer compliance; second, fairness has an insignificant effect on satisfaction and taxpayer compliance; third, satisfaction has a significant positive effect on taxpayer compliance; fourth, service quality has a significant positive effect on taxpayer compliance mediated by satisfaction; fifth, mediated by satisfaction, fairness has no significant effect on tax compliance.

scholarly journals Customers‟ Perception of India Post Towards Financial Inclusion Services with Reference to Ariyalur District

2019 ◽  
Vol 8 (12) ◽  
pp. 1119-1128
Keyword(s):  
Low Income ◽  
Financial Services ◽  
Financial Inclusion ◽  
Primary Data ◽  
Post Office ◽  
Customer Perception ◽  
Aged Person ◽  
The Mean ◽  
Convenience Sampling ◽  
One Way Anova

Financial Inclusion can be influenced by the customer perception such as availability of all financial inclusion services in all branch, reliable and prompt services, Affordable price, Post office staffs interact With friendly ( Accessible ) Safety and security transaction, affordable financial services, Simplicity procedure, Responsible to query, conveniently service under convenience sampling method were adopted. The primary data were collected with 50 Respondents of post office customers with the help of well structure close ended and 5 point likert scale questionnaire which consists of parameters to measure the perception variables. The collected data were analyses with the help of the mean rank and one way ANOVA analysis for validating the assumptions made by researchers. The study therefore done found that customers perception variable of post towards financial Inclusion processes were confirmed that the customers perception India variables had some effect on satisfaction of India post towards financial inclusion services. But, aged person, illiterate people, women , low occupation person and low income person have to attention and be conducted awareness camp. This may increase the financial inclusion in post office

How Customer Analytics and Digital Technologies Drive Banks to Understand Consumer Awareness Towards Financial Inclusion

2018 ◽  
pp. 66-85
Author(s):  
Yuvraj Sharma
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Digital Technologies ◽  
Financial Inclusion ◽  
Primary Data ◽  
Related Data ◽  
Customer Analytics ◽  
Clear Communication ◽  
Increasing Demand

In today's switching economy, customers' needs are changing and they are demanding more transparency, higher involvement, and clear communication in day-to-day banking processes. The rationale behind carrying out the present research is to identify the role of customer analytics in the new digital customer journey in terms of enhancing their engagement, loyalty, and satisfaction. The present research emphasizes opportunities that would accrue to financial institutions after demonetization and collecting large amount of demographics, customer transaction, and account-related data. Primary data was collected from 300 customers through a structured questionnaire to know their perceptions about the role of customer analytics and digital technologies to build their confidence and capability to use financial services. This study brings out the customer analytics trends and identifies the reasons due to which banks are struggling to keep pace with the increasing demand of both digital savvy and traditional consumers.

Innovation and Financial Inclusion in Kenya Innovation and Financial Inclusion in Kenya

2017 ◽  
pp. 207-227
Author(s):  
Josphat Njuguna Omanga ◽  
Johannes Kabderian Dreyer
Keyword(s):  
Mobile Phone ◽  
Financial Services ◽  
Financial Innovation ◽  
Disruptive Innovation ◽  
Financial Inclusion ◽  
Mobile Service ◽  
Informal Providers ◽  
Money Transfers

This chapter analyzes the role of financial innovation and mobile phone technologies to financial inclusion in Kenya. In order to do so, a case study on M-PESA is conducted, the leading mobile service of money transfers in Africa, which is offered by Safaricom. M-PESA services are cheap and easy to use in comparison to other formal and informal providers of financial services. It solves two different problems in Kenya: customers do not have to travel anymore long distances to reach financial services and more people can afford them. As result and in line with the literature, this chapter suggests that M-PESA services can be considered a type of disruptive innovation that promotes financial inclusion and wealth growth in Kenya.

scholarly journals The Effect of Employee Empowerment and Work Stress on Employee Organizational Commitment Mediated by Job Satisfaction (Case Study of Financial Services Cooperatives in Denpasar)

2020 ◽  
Vol 7 (2) ◽  
pp. 92-103
Author(s):  
I Gede Suriadnyana
Keyword(s):  
Job Satisfaction ◽  
Organizational Commitment ◽  
Financial Services ◽  
Quantitative Research ◽  
Local Area ◽  
Partial Least Square ◽  
Least Square ◽  
Employee Empowerment

A cooperative is a business entity owned and operated by an individual for the benefit of members. The business outgrowth is aligned with the small-medium business expansion in the local area, Bali as general. The objectives of this study are to examine the effect of employee empowerment, job stress, organizational commitment, job satisfaction at the Financial Services Cooperative in Denpasar and to examine the role of job satisfaction in mediating the effect of employee empowerment on organizational commitment at the Financial Services Cooperative in Denpasar. The data for this study conducted from representable cooperatives in Denpasar based on the criteria of a minimum asset, and Good cooperate governance score, this researched collected 63 numbers of respondents by random sampling method. This study is implemented qualitative and quantitative research by spreading the questionnaire to the respondence and also interviewed after the respondence filled up the questionnaire, Partial least square (PLS) has been used as hypothesis testing. The results of this study show that (1). Employee empowerment process is effect positively significant to job satisfaction for the cooperatives employment, (2). Work field pressure has a positive effect on job satisfaction, (3). Work field pressure is positive but insignificantly effect to the organizational commitment, (4). Job satisfaction is showing positive insignificant effect toward the organizational commitment, (5). This research found that mediation factor between commitment and employee empowerment is work satisfaction.

scholarly journals Role of Financial Inclusion to Stability: The Case of Indonesia’s Sharia Banking

2019 ◽  
Vol 10 (1) ◽  
pp. 7-15
Author(s):  
Estu Widarwati ◽  
Pindykurnia Sari ◽  
Nunik Nurmalasari
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Financial Stability ◽  
Financial Inclusion ◽  
Public Access ◽  
Relationship Of ◽  
The Relationship ◽  
Community Access ◽  
Positive Effect

Abstract Public access to the services of financial institutions determines the revenues amount of financial institutions. The growth of bank account helps banks to manage the financing service that provides for the community. This study examines the relationship of financial inclusion and financial stability, especially in Indonesia’s Sharia banking. Financial inclusion defined as community access to financial services which peroxided by deposits, while the financial stability of Sharia banking is measured by Non Performing Financial (NPF). Samples include financial data of 5 sharia banks during the study period from 2011 to 2016 were analyzed using classical assumption test and regression test. The results of study found that the deposits as proxy of financial inclusion had a positive effect to stability of financial.

Acceleration of Financial Technology Growth towards Inclusiveness of Unbankable Society in Achieving the Vision of the Islamic Banking Roadmap 2020-2025 (Case Study: Generation Z, Jabodetabek)

2021 ◽  
Vol 4 (2) ◽  
pp. 158
Author(s):  
Ahmad Zikry Fadillah
Keyword(s):  
Financial Services ◽  
Quantitative Research ◽  
Population Based ◽  
Digital Economy ◽  
Financial Inclusion ◽  
Islamic Banking ◽  
Generation Z ◽  
Use Of Technology ◽  
Technology Services

Indonesia's digital economy continues to experience positive growth. The growth of the digital economy causes the volume of digital banking transactions to continue to increase. This shows the potential in utilizing the fintech market to the fullest. However, this market has not been utilized properly because there are still unbankable people who have not been accessed by banking services. The presence of fintech is expected to be a solution to target the unbanked population. Based on the existing potential, fintech has the opportunity to be developed to increase the financial inclusion of Islamic banking in accordance with the 2020-2025 Islamic Banking Roadmap in Indonesia. With the largest Muslim population in Indonesia and through the role of Generation Z, which is a generation that grew up in the digital era, this can be a potential in increasing the role of fintech as an effort towards inclusiveness for the unbankable community. With the increase in community inclusiveness, it can encourage the acceleration of the development of Islamic banking. This study aims to optimize the role of fintech development in Islamic banking in achieving the objectives of the 2020-2025 Islamic Banking Roadmap in Indonesia. The method used in this research is quantitative research with data collection techniques through literature reviews and questionnaires. The results show that the majority of Generation Z have access to good fintech financial services. Thus, generation Z has a role in increasing the financial inclusion of Islamic banking through the use of technology services, namely fintech, so that in the end, increasingly inclusive banking finance can support the achievement of the vision of the sharia banking roadmap that has been launched by the OJK.

Innovation and Financial Inclusion in Kenya Innovation and Financial Inclusion in Kenya

2020 ◽  
pp. 644-660
Author(s):  
Josphat Njuguna Omanga ◽  
Johannes Kabderian Dreyer
Keyword(s):  
Mobile Phone ◽  
Financial Services ◽  
Financial Innovation ◽  
Disruptive Innovation ◽  
Financial Inclusion ◽  
Mobile Service ◽  
Informal Providers ◽  
Money Transfers

This chapter analyzes the role of financial innovation and mobile phone technologies to financial inclusion in Kenya. In order to do so, a case study on M-PESA is conducted, the leading mobile service of money transfers in Africa, which is offered by Safaricom. M-PESA services are cheap and easy to use in comparison to other formal and informal providers of financial services. It solves two different problems in Kenya: customers do not have to travel anymore long distances to reach financial services and more people can afford them. As result and in line with the literature, this chapter suggests that M-PESA services can be considered a type of disruptive innovation that promotes financial inclusion and wealth growth in Kenya.

Pengaruh Sistem Pengendalian Internal Pemerintah Terhadap Kinerja Pemerintah Daerah

2021 ◽  
Vol 2 (2) ◽  
pp. 100-109
Author(s):  
Mattoasi Mattoasi ◽  
Didiet Pratama Musue ◽  
Yaman Rauf
Keyword(s):  
Control System ◽  
Internal Control ◽  
Local Governments ◽  
Quantitative Research ◽  
Primary Data ◽  
Coefficient Of Determination ◽  
Quantitative Research Methods ◽  
Internal Control System ◽  
The Government

PThis study aims to determine the effect of the internal control system on the performance of local government Case Study in Gorontalo Regency. This study uses quantitative research methods, and the data sources use primary data obtained from questionnaires distributed to respondents. Meanwhile, the data analysis used in this research is descriptive quantitative analysis using statistical t-test and coefficient of determination test (ajusted R-Square). The results showed that the internal control system had a positive effect on the performance of local governments with a determinant value of 48.7%. The result of this study contribute to the government to establish and implement a more effectives Internal Constrol Systems (ICS).  

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