ROLES OF FINTECH, FINANCIAL LITERACY, AND SOCIAL CAPITAL ON INCREASING FINANCIAL INCLUSION OF IIB DARMAJAYA

Ina Damayanti, S.E

Abstract

Financial inclusion was the process to ensure easy access and availability of a formal financial system for all actors in the financial economy. The objective of this research was determining the effect of Fintech, Financial Literacy, and Social Capital on Financial Inclusion of the Students of the Faculty of Economics and Business of IIB Darmajaya. This type of this research was the quantitative research using an associative approach. The type of this data used in this research was the primary data. The data collecting technique used in this research was through questionnaires distribution by using Likert Scale. The population of this research was the 2,474 students of Faculty of Economics and Business of IIB Darmajaya. The sampling method used in this research was the purposive sampling method. The number of sample of this research was 100 respondents. The data analysis technique used in this research was the multiple regression analysis. The results of this research showed that: 1) the Financial Technology had a positive, significant effect on the Financial Inclusion of the students; 2) the Financial Literacy had a positive, significant effect on the Financial Inclusion of the students; and, 3) the Social Capital had a positive, significant effect on the Financial Inclusion of the students. Keywords: Fintech, Financial Literacy. Social Capital, Financial Inclusion