Pengaruh Digital Literasi dan Financial Technology terhadap Inklusi Keuangan Digital pada UKM Food and Beverage di Kota Padang
DOI:
https://doi.org/10.38035/jafm.v6i2.1970Keywords:
Digital Literasi, Finansial Teknologi (Fintech), Inklusi Keuangan Digital, Usaha Kecil Menengah, Industri Makanan dan MinumanAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh digital literasi dan financial technology yang terdiri dari cashless payment, market aggregator, serta risk and investment management terhadap inklusi keuangan digital pada Usaha Kecil dan Menengah (UKM) sektor food and beverage di Kota Padang. Digitalisasi sistem keuangan telah membuka akses lebih luas bagi pelaku usaha, namun belum seluruhnya diikuti oleh tingkat pemanfaatan teknologi yang memadai oleh UKM. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 77 pelaku usaha UKM food and beverage yang dipilih melalui teknik purposive sampling. Data dianalisis menggunakan aplikasi SmartPLS 4.0 melalui pengujian outer model dan inner model. Hasil penelitian menunjukkan bahwa cashless payment, market aggregator, dan risk and investment management berpengaruh positif dan signifikan terhadap inklusi keuangan digital. Namun, digital literasi tidak berpengaruh secara signifikan terhadap inklusi keuangan digital dalam konteks penelitian ini. Temuan ini menekankan pentingnya dukungan infrastruktur keuangan digital dan strategi peningkatan kepercayaan serta pengelolaan risiko untuk memperluas akses dan partisipasi UKM dalam sistem keuangan digital.
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