Peran Government Support dan Digital Financial Literacy terhadap Financial Inclusion UMKM Bandung
DOI:
https://doi.org/10.51747/v7rdhf72Keywords:
Government Support, Digital Financial Literacy, Financial Inclusion, Kota Bandung, UMKMAbstract
Tingkat financial inclusion nasional Indonesia sudah tinggi, namun pemanfaatannya oleh pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) binaan Dinas Koperasi dan UMKM Kota Bandung masih belum optimal, diduga berkaitan dengan government support yang belum sepenuhnya dirasakan serta digital financial literacy yang masih perlu ditingkatkan. Penelitian ini bertujuan menganalisis kondisi government support, digital financial literacy, dan financial inclusion, serta peran kedua variabel independen tersebut terhadap financial inclusion pelaku UMKM. Penelitian menggunakan pendekatan kuantitatif asosiatif eksplanatori dengan metode survei terhadap 49 pelaku UMKM binaan yang dipilih melalui purposive sampling, dianalisis menggunakan statistik deskriptif dan
regresi linear berganda. Hasil menunjukkan persepsi responden terhadap ketiga variabel berada pada kategori tinggi. Government support dan digital financial literacy terbukti berperan positif dan signifikan terhadap financial inclusion, baik parsial maupun simultan, dengan digital financial
literacy lebih dominan. Peningkatan financial inclusion UMKM memerlukan sinergi penguatan fasilitasi pembiayaan pemerintah dan peningkatan literasi fintech pelaku usaha.
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