Peran Modal Sosial Sebagai Mediator Literasi Keuangan dan Inklusi Keuangan Pada Kaum Muda di Indonesia (Studi Kasus pada Komunitas Investor Saham Pemula)

Rachmat Simbara Saputra,Andrieta Shintia Dewi

doi:10.20473/jmtt.v10i3.3064

Rachmat Simbara Saputra, Andrieta Shintia Dewi

Open Access

https://doi.org/10.20473/jmtt.v10i3.3064

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Abstract

Currently the level of financial literacy and financial inclusion in Indonesian people, especially the younger generation, is still considered very low. Therefore, the role of social capital for improving financial literacy and financial inclusion in society need special attention. Social capital is expected to become a mediator for improving financial literacy and financial inclusion. This study aims to decide the role of social capital as a mediator of the relationship between financial literacy and financial inclusion. In addition, this study also examined the direct effect of financial literacy on financial inclusion. The population of this study were all members of the Investor Saham Pemula Community a number of 320 members. Making sample of this research using non-probability sampling technique with a sample size of 180 samples. This study adopts and uses Sobel and Kenny and Baron test to test the effect of mediation of social capital in the relationship between financial literacy and financial inclusion. The finding in this study is a proven social capital mediates the relationship between financial literacy and financial inclusion and there are no direct effect between financial literacy and financial inclusion.

Highlights

Berdasarkan gambar 1 tingkat literasi keuangan masyarakat Indonesia paling tinggi pada lembaga keuangan perbankan yaitu sebesar 21,8% dan tingkat inklusi sebesar 57,28%, sedangkan paling rendah pada pasar modal dimana tingkat literasi sebesar 3,79% dan tingkat inklusi sebesar 0,11%, hal ini menunjukkan pasar modal harus menjadi fokus pemerintah dalam meningkatkan tingkat literasi dan inklusi di masyarakat
Social capital is expected to become a mediator for improving financial literacy and financial inclusion
This study aims to decide the role of social capital as a mediator of the relationship between financial literacy and financial inclusion

Summary

Introduction

Berdasarkan gambar 1 tingkat literasi keuangan masyarakat Indonesia paling tinggi pada lembaga keuangan perbankan yaitu sebesar 21,8% dan tingkat inklusi sebesar 57,28%, sedangkan paling rendah pada pasar modal dimana tingkat literasi sebesar 3,79% dan tingkat inklusi sebesar 0,11%, hal ini menunjukkan pasar modal harus menjadi fokus pemerintah dalam meningkatkan tingkat literasi dan inklusi di masyarakat. PERAN MODAL SOSIAL SEBAGAI MEDIATOR LITERASI KEUANGAN DAN INKLUSI KEUANGAN PADA KAUM MUDA DI INDONESIA Berdasarkan data dari SNLKI OJK (2014) tingkat literasi dan inklusi dalam berbagai industri keuangan di Indonesia adalah sebagai berikut: 70.00% 60.00%

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Conclusion