IMPLIKASI ADIBA MSME SEBAGAI INSTRUMEN CHANNELING MASYARAKAT UMKM DALAM MENGGUNAKAN LAYANAN LEMBAGA KEUANGAN SYARIAH

  • Ageng Asmara Sani Fakultas Agama Islam, Universitas Alma Ata
  • Ragil Satria Wicaksana Fakultas Agama Islam, Universitas Alma Ata
  • Dunyati Ilmiah Fakultas Agama Islam, Universitas Alma Ata
Keywords: Inklusi Keuangan, Literasi Keuangan, Lembaga Keuangan Syariah

Abstract

Penelitian ini mengukur dan menganalisis literasi keuangan dan keuangan inklusif di Indonesia menggunakan data Survey on Financial Inclusion and Access SOFIA untuk melihat tingkat aksesibilitas masyarakat. Disisi lain penggunaan aplikasi Access and Information of Banks and Islamic Finance Account for Micro, Small, and Medium-Sized Enterprises (ADIBA MSME) sebagai sarana dalam meningkatkan aksesibilitas dan literasi keuangan masyarakat yang berdampak pada terciptanya iklim keuangan yang inklusif. Temuan dalam penelitian ini mengungkapkan bahwa ADIBA MSME memiliki pengaruh yang signifikan terhadap peningkatan inklusi keuangan. Hasil ini dapat menarik perhatian pemangku kebijakan untuk meningkatkan penggunaan aplikasi sejenis.

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Published
2019-11-15
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