The Role of Financial Inclusion and Technology on Farmers' Attitude and Income

This research investigates the influence of Financial Literacy, Financial Attitude, and Financial Inclusion on Financial Behavior, with Financial Technology serving as a mediating variable, among MSME debtors of Bank Jatim in Tuban. Adopting a quantitative approach with an explanatory design, the study gathered primary data through questionnaires distributed to 90 MSME debtors. The hypotheses were tested using Smart-PLS 3.2 software for data analysis. The findings reveal that Financial Literacy does not have a significant impact on Financial Technology. However, Financial Attitude and Financial Inclusion both show significant effects on Financial Technology. Additionally, Financial Literacy, Financial Attitude, and Financial Inclusion each significantly influence Financial Behavior. Financial Technology also significantly affects Financial Behavior. As a mediating variable, Financial Technology shows a positive but insignificant effect in the relationship between Financial Literacy and Financial Behavior, a negative but insignificant effect between Financial Attitude and Financial Behavior, and a positive but insignificant effect between Financial Inclusion and Financial Behavior.

This study aims to analyze the influence of financial attitude, financial literacy, and financial technology on financial inclusion with financial self-efficacy as a mediating variable among students of the Faculty of Economics and Business at public universities in Surabaya. This research uses a quantitative approach, with data collected through questionnaires distributed to 209 respondents selected using purposive sampling. The data were analyzed using Structural Equation Modeling (SEM) with AMOS software. The results show that financial attitude and financial literacy do not significantly affect financial self-efficacy, while financial technology has a significant effect. Furthermore, financial attitude and financial technology have a positive effect on financial inclusion, whereas financial literacy does not show a significant effect. The mediation test reveals that financial self-efficacy only mediates the relationship between financial literacy and financial inclusion. These findings emphasize the importance of strengthening self-efficacy and utilizing digital financial technology as effective strategies to encourage student participation in formal financial systems.

This research aims to examine the influence of financial literacy, financial technology, financial attitudes, financial skills, and financial behavior of the Banyumas Generation Z community on financial inclusion among Sharia banking customers. The sample used was 120 respondents using an incidental sampling technique. This research applies quantitative methods to evaluate the relevance of each variable. The data collection instrument was carried out using a five-level Likert scale questionnaire. The analysis tool uses SEM PLS. According to the findings of this research, financial literacy, financial technology, financial attitudes, financial skills and financial behavior have a positive influence on financial inclusion.

Background: Financial management in the digital era has shifted significantly due to the rapid adoption of digital financial services and technologies. Specific background: Despite increased financial inclusion in Indonesia, financial literacy remains low, leading to inconsistent financial behavior across demographic groups. Knowledge gap: Previous studies have rarely examined the comprehensive moderating role of financial technology in the relationship among financial literacy, lifestyle, financial inclusion, and financial behavior within the general public. Aims: This study aims to analyze the relationship between financial literacy, lifestyle, and financial inclusion with financial behavior, and to examine how financial technology moderates these relationships. Results: Using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with 96 respondents, results indicate that financial literacy, financial technology, and lifestyle significantly shape financial behavior, while financial inclusion does not. Financial technology strengthens the relationship between financial literacy and financial inclusion with financial behavior but not with lifestyle. Novelty: The study identifies the dual moderating role of financial technology in linking literacy and inclusion to responsible financial practices. Implications: These findings emphasize the need for integrated financial education and digital literacy programs to promote smarter and more sustainable financial management in the digital economy. Highlights Financial literacy and technology jointly shape responsible financial behavior Financial inclusion alone does not ensure improved financial management Financial technology strengthens the link between knowledge and financial discipline Keywords Financial Literacy, Financial Technology, Lifestyle, Financial Inclusion, Financial Behavior

The Indonesian Financial Services Authority (Otoritas Jasa Keuangan) states that the financial literacy increase will be followed by developing the financial inclusion index. Nevertheless, the level of public financial literacy is still far behind the financial inclusion index. Perpres No. 82 of 2016 concerning the National Inclusive Finance Strategy sets a target of 75% of the adult population to access financial services in 2019. As information technology develops and internet penetration rates rapidly emerge, digital financial services emerge that make it easier for people to obtain financial services called financial technology. The increasing use of financial technology is one of the drivers for increasing national financial inclusion. This study aims to investigate studies of financial inclusion, financial literacy, both from knowledge, behavior, and financial attitudes, and financial technology. The research is a literature study research examining thirty journals and reports related to Financial Inclusion, Financial Literacy, and Financial Technology. Formed on the respondents' characteristics, gender, age, education, and occupation had an impact on increasing financial inclusion, financial literacy, and financial technology in Indonesia. Many people use financial products and services without having a good knowledge of the functions, how to choose the right according to needs, and do not know the risks of the products used. Recommendation from this is a strategy strategic of the respondents' characteristics is needed in increasing financial inclusion.

The purpose of this study is to ascertain and examine how financial technology, financial attitude, and financial literacy affect financial inclusion in Jakarta. Using a quantitative methodology and primary data, this study employs a questionnaire as its instrument and a Likert scale as its measuring tool. This study employs one dependent variable, financial inclusion, and three independent variables: financial literacy, financial technology, and financial attitude. The study's population consisted of all the people of Jakarta between the ages of 18 and 25. Purposive sampling and the hairs approach are used in this sample procedure. The hypothesis test, a validity test, and a reliability test are the data analysis methods employed. The data is then processed using SmartPLS.

The purpose of this study is to find out financial literacy has a significant effect on financial inclusion, financial attitudes have a significant effect on financial inclusion, financial literacy has a significant effect on financial management, financial attitudes have a significant effect on financial management, financial inclusion has a significant effect on financial management, financial literacy significant effect on financial management through financial inclusion, financial attitude has a significant effect on financial management through financial inclusion. The sampling technique was determined by purposive sampling. Data analysis and hypothesis testing in this study used the Structural Equation Model - Partial Least Square (PLS-SEM)
 Based on the results of the study, it is known that financial literacy has a positive and significant effect on financial inclusion, financial attitudes have a positive and significant effect on financial inclusion, financial literacy has a positive and significant effect on financial management, financial attitudes have a positive and significant effect on financial management, financial inclusion has a positive and significant impact on financial management. significant on financial management, financial inclusion has a positive but not significant effect on financial management through financial inclusion, financial attitudes have a positive and significant effect on financial management through financial inclusion.

The purpose of this study was to determine the impact of financial behavior, financial inclusion, and financial technology on MSME performance with financial literacy as a mediating variable. The research population included all micro, small, and medium enterprises (MSMEs) located in Ciamis Regency, and the sample was drawn using a random sampling technique. A total of 106 respondents participated; this number was determined by applying Slovin's formula. Information was collected using a questionnaire, which was then processed and analyzed using Partial Least Squares (PLS). The results show that financial behavior has a positive impact on MSME performance, financial inclusion has no significant impact on MSME performance, financial technology has no impact on MSME performance, and financial literacy has a positive impact on MSME performance, financial literacy acts as an intermediary between financial behavior and MSME performance, financial literacy mediates the relationship between financial inclusion and MSME performance, and financial literacy does not mediate the relationship between financial technology and MSME performance. Recommendations for government agencies and financial institutions include providing well-structured financial literacy programs and assisting MSMEs in implementing financial technology. This approach is intended to increase MSMEs' access to financial services as well as their capacity for sustainable growth by equipping them with the knowledge and skills to effectively utilize these resources in their day-to-day business activities.

The rapid progress of information and communication technology in the era of globalization makes information more than just a source of knowledge and resources. Technological developments also influence the economic sector, one of which is financial technology (FinTech). The development of fintech in Indonesia has given rise to various application innovations, especially in financial services, such as payment transaction tools, money storage tools and also money lending tools. Research Aims: This study explores the role of fintech in influencing the increase in financial inclusion in SMEs in Aceh. Design/methodology/approach: Using literature review and field study methods, with a quantitative type of research Research Findings: In the hypothesis test that has been carried out in this study, it is proven that fintech has no effect on financial inclusion. Where the t-value is calculated 1.705 < t-table is 3.94 and the significance value is 0.091 > 0.05 so that H1 is rejected and H0 is accepted, meaning that fintech variables have no effect on financial inclusion. Financial technology has no effect on financial inclusion in society because people have not actively used fintech to access accounts at banking institutions to save and borrow, including debit cards, credit cards, m-banking, and internet banking, but use fintech to access other products and services that do not encourage financial inclusion. Theoretical Contribution/Originality: These findings advocate expanding the scope of the study by adding new variables such as ecommerce, social media, financial literacy, financial attitudes, so that more complete information can be obtained about the factors that predict the formation of financial inclusion. Keywords : Fintech, Financial Inclusion, MSMEs

Purpose: This study aims to determine and analyze the effect of financial literacy, financial attitudes, financial inclusion, and financial planning on financial management behavior on UMKM Batik players in Purbalingga Regency. Research methodology: This research uses quantitative methods by distributing questionnaires to respondents. The data analysis in this study was carried out with the help of IBM SPSS software version 26. The population in this study was 95 using random sampling technique with a sample size of 75 respondents who were UMKM Batik business actors in Purbalingga Regency. Results: The results showed that financial literacy, financial attitudes, financial inclusion and financial planning have a positive and significant influence on financial management behavior on UMKM Batik actors in Purbalingga Regency. Limitations: The R-Square value is quite low at 49.9%. Based on this, there are about 50.1% other factors that influence financial management behavior in this study, such as financial knowledge, income, education level, and personality. Contribution: This research can be used as an academic literacy reference related to financial management behavior in UMKM in terms of financial literacy, financial attitudes, financial inclusion, and financial planning. The results of the study can also be used as a benchmark for UMKM Batik actors in implementing financial literacy, financial attitudes, financial inclusion, and financial planning in UMKM.

The aim of composing this article is to investigate how a whole lot of impact on fintech (risk and investment management, market provisioning, and cashless society) has on financial inclusion (financial knowledge, financial behavior and financial attitudes) in MSMEs in West Java. The research completed is a kind of quantitative study. The population of this research is the MSME industry in West Java with a focus on the usage of archival statistics. This research uses descriptive evaluation and classical assumption exams. The results indicate that the financial technology variables (risk and investment and market provisioning) have no effect on economic inclusion (financial knowledge, financial behavior and financial attitudes) while the fintech variables (cashless society) have an impact on financial inclusion (financial knowledge, financial behavior and financial attitudes).

Financial inclusion is one of the top priority issues as an important key towards reducing extreme poverty and increasing shared prosperity by giving people easier access to financial facilities.The World Bank and the G20 countries have a high commitment to providing financial inclusion for organizations, companies and the general public.The issue of financial inclusion was greatly amplified during the COVID-19 crisis.The objective of this study is to find out the relationship between financial inclusion, financial technology and financial regulation on business performance.This research uses the variables provided by the Enterprise Survey for data published in June 2022 carried out by the World Bank called the World Bank Enterprise Survey or WBES June 2022.SmartPLS was used for the data analization method.The results of this study found that financial technology has a positive influence on financial inclusion and financial performance, both by itself and mediated by financial inclusion.However, financial regulation has a negative impact on financial inclusion and business performance, either by itself or mediated by financial inclusion.This research suggests investors and entrepreneurs in the future to improve their company's performance by increasing the financial inclusion and financial technology of the company.In addition, this study suggests regulators provide relief from regulations on the use of financial facilities so that companies can carry out business activities smoothly.

Purpose: This study examines the impact of financial technology and financial inclusion on the performance of small and medium-sized enterprises (SMEs) in the creative economy sector with risk perception serving as a mediating variable.Method: Data collection was conducted through surveys and questionnaire distribution to participants. The study involved a sample of 130 SMEs operating in the creative sector on Lombok Island that utilize financial technology in their businesses. A combination of purposive and accidental sampling techniques was employed. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.Result: The findings reveal that financial technology has no significant impact on risk perception, while financial inclusion demonstrates a significant effect. Similarly, financial technology does not significantly influence SME performance, whereas financial inclusion has a substantial impact. Risk perception exhibits only a minor effect on SME performance. Furthermore, risk perception does not mediate the relationship between financial technology and SME performance, nor does it mediate the relationship between financial inclusion and SME performance.Practical Implications for Economic Growth and Development: This study highlights the importance of financial inclusion in enhancing SME performance, suggesting that greater access to financial services can drive economic growth by improving business efficiency and market competitiveness. Furthermore, it emphasizes the need for policies that foster financial inclusion to support sustainable development in the creative economy sector.

The purpose of this study is to examine the level of financial literacy and financial technology of SMEs in Kuningan Regency. The sample of this study were 250 SMEs. Sampling is done by Probability sampling with proportional random sampling technique. The data analysis method with Structural Equation Modeling (SEM). From the results of the study it was found that financial attitude has positive effect on financial technology, financial behavior has positive effect on financial technology, financial knowledge has positive effect on financial technology, financial technology has positive effect on financial inclusion.Thus, in order to achieve the level of financial literacy and financial technology in SMEs increases, SMEs must pay attention to the level of financial attitude, financial behavior, financial knowledge, financial technology so that SMEs financial inclusion also increases.

This research aims to determine the influence of financial technology and financial attitude on financial literacy with financial behavior as an intervening variable (case study of food and beverage MSMEs in Bengkulu City). The analytical tool used was a quantitative method, using SmartPLS 4.1 and data collection techniques by distributing questionnaires using Google Form to 160 MSMEs. Hypothesis results (bootstrapping) show that the financial technology variable has a positive and significant effect on financial literacy. Financial technology has no significant influence on financial behavior. Financial attitude has a significant and influential effect on financial literacy. Financial attitude has a positive and significant effect on financial behavior. Financial behavior has a significant and influential effect on financial literacy. Financial technology has no significant effect on financial literacy which is mediated by financial behavior as an intervening variable. Financial attitude has a significant influence on financial literacy which is mediated by financial behavior as an intervening variable.