PENGARUH DIGITAL LITERASI DAN FINANCIAL TECHNOLOGY TERHADAP INKLUSI KEUANGAN DIGITAL PADA UKM FOOD AND BEVERAGE DI KOTA PADANG

RAHMAHTIKA, RAHMAHTIKA (2025) PENGARUH DIGITAL LITERASI DAN FINANCIAL TECHNOLOGY TERHADAP INKLUSI KEUANGAN DIGITAL PADA UKM FOOD AND BEVERAGE DI KOTA PADANG. S2 thesis, Universitas Andalas.

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Abstract

PENGARUH DIGITAL LITERASI DAN FINANCIAL TECHNOLOGY TERHADAP INKLUSI KEUANGAN DIGITAL PADA UKM FOOD AND BEVERAGE DI KOTA PADANG Thesis oleh Rahmahtika (2120522021) Pembimbing Prof. Dr. Tafdil Husni, SE.M.B.A dan Dr. Fajri Adrianto, SE, M.Bus (Adv) ABSTRAK 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. Kata Kunci :Digital Literacy, Financial Technology (Fintech), Digital Financial Inclusion, Small Medium Enterprises (SME’s), Food and Beverage Industry 4 THE INFLUENCE OF DIGITAL LITERACY AND FINANCIAL TECHNOLOGY ON DIGITAL FINANCIAL INCLUSION IN FOOD AND BEVERAGE SMEs IN PADANG CITY Thesis by Rahmahtika (2120522021) Supervisor Prof. Dr. Tafdil Husni, SE.M.B.A Dr. Fajri Adrianto, SE, M.Bus (Adv) ABSTRACT This study aims to analyze the influence of digital literacy and financial technology which includes cashless payments, market aggregators, and risk and investment management on digital financial inclusion among Small and Medium Enterprises (SMEs) in the food and beverage sector in Padang City. The digitalization of financial systems has expanded access to financial services.however, the extent of technology adoption among SMEs remains varied.The research employed a quantitative approach with survey methods involving 77 SMEs selected through purposive sampling. Data were analyzed using SmartPLS 4.0 through outer and inner model testing. The findings indicate that cashless payments, market aggregators, and risk and investment management have a positive and significant effect on digital financial inclusion. In contrast, digital literacy does not have a significant influence in this context.These findings highlight the importance of strengthening digital financial infrastructure, as well as building trust and risk management strategies, to expand SME participation in the digital financial ecosystem. . Keyword :Digital Literacy, Financial Technology (Fintech), Digital Financial Inclusion, Small Medium Enterprises (SME’s), Food and Beverage Industry

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