Analysis Of Financial Technology, Financial Inclusion, Financial Literation, And Income To Financial Behaviour on SMEs East Jakarta

Agnes Claudia Gunawan; Alfida Aziz

doi:10.14710/jaa.18.2.128-146

DOI: https://doi.org/10.14710/jaa.18.2.128-146

Analysis Of Financial Technology, Financial Inclusion, Financial Literation, And Income To Financial Behaviour on SMEs East Jakarta

*Agnes Claudia Gunawan - Department Finance Management, Universitas Pembangunan Nasional Veteran Jakarta, Indonesia

Alfida Aziz - Universitas Pembangunan Nasional Veteran Jakarta, Indonesia

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Abstract

The purpose of this research is to investigate the influence of financial technology, financial inclusion, financial literacy, and income on the financial behavior of small and medium-sized enterprises (SMEs) in East Jakarta. The population of this study is East Jakarta's SME actors. Non-probability sampling was utilized to choose the sample in this research, and 100 respondents were gathered. The data analysis procedure uses the SmartPLS 3.0 tool to test the hypothesis at a 5% level of significance. The results show that, (1) Financial technology has a negative and insignificant effect on financial behavior, (2) Financial inclusion has a negative and insignificant effect on financial behavior, (3) Financial literacy has a positive and significant effect on financial behavior, (4) Income has a negative and insignificant effect on financial behavior.

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Keywords: Financial Technology, Financial Inclusion, Financial Literacy, Income, Financial Behaviour

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Language : EN

In Volume 18, Nomor 2, Tahun 2021

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