Peran Literasi Keuangan dan Literasi Keuangan Digital terhadap Inklusi Keuangan: Studi pada Nasabah Bank Syariah di Kota Tangerang dengan Media Sosial sebagai Moderator
Abstract
This study aims to understand the extent of the influence of understanding of Financial Literacy and Digital Financial Literacy on the Customer's decision to use financial services, especially considering the role of Social Media as a medium of information delivery and interaction. Using quantitative method, this study examines the effect of one variable on another, where there are three types of variables involved, namely independent variables in the form of financial literacy and digital financial literacy, dependent variables in the form of financial inclusion, and moderator variables in the form of social media. Sharia Bank customers in Tangerang City were the object of this study, with data collected through a Likert scale questionnaire. The results of this study indicate that the variables used are able to explain the intention of Islamic Bank Customers towards Financial Inclusion with a good level of accuracy. The direct effect of digital financial literacy and social media variables on financial inclusion is significant, while moderation by social media is only significant in the relationship between financial literacy and financial inclusion.
Keywords:
Literasi Keuangan, Inklusi Keuangan, Media Sosial
References
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Andrean, & Soejono, F. (2022). Literasi keuangan, minat dalam menggunakan financial technology dan inklusi keuangan guru. 1.
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Rahman, Putra, K. N., & Hariatama, F. (2024). Pengaruh Media Sosial dan Literasi Keuangan Terhadap Perilaku Konsumstif Mahasiswa Pendidikan Ekonomi.
Rapih, S. (2016). Pendidikan literasi keuangan pada anak: Mengapa dan Bagaimana?
Ribot, J. C., & Peluso, N. L. (2003). A theory of access. Rural Sociology, 68(2), 153–181. https://doi.org/10.1111/j.1549-0831.2003.tb00133.x
Ristiana, N., & Widyastuti, E. (2022). Analisis pengaruh literasi keuangan digital terhadap minat mahasiswa dalam penggunaan layanan e-banking. Jurnal
masharif al - syariah : jurnal ekonomi dan perbankan syariah, 7(1), 425–444.
Rubiyanty, I. M., Fadhila, L. S., & Mellinia, S. P. (2024). Pengaruh Literasi Keuangan, Kompetensi, dan Penggunaan Sosial Media terhadap Kinerja UMKM. Jurnal ekonomika45, 12(1).
Safitri, L. A., & Dewa, C. B. (2022). ASSET: JURNAL MANAJEMEN Analisa Pengaruh Literasi Keuangan Melalui Media Sosial Instagram Terhadap Pengelolaan Keuangan Generasi-Z INFO ARTIKEL ABSTRAK.
Shinu, & Mullappallykayamkulath, M. A. (2022). Digital Financial Literacy and its Impact on the Financial Behaviour of Millennials: An Empirical Investigation. In International Journal of Financial Management (Vol. 12, Issue 3). http://publishingindia.com/ijfm/
Suchocka, L., Yarasheva, A., Medvedeva, E., Aleksandrova, O., Alikperova, N., Kroshilin, S., Aleksandrova, O. A., & Pavlov, I. P. (2022). Researcher ID: S-1899-2018; Scopus Author ID: 57215341618. 6 Sergey V. Kroshilin, PhD in Technical Sciences, Associate Professor, Senior Researcher of the Ministry of Health of the Russian Federation. In Population of the Federal Center of Theoretical and Applied Sociology of the Russian Academy of Sciences (Vol. 29, Issue 1). https://tass.ru/ekonomika/9130105/
Suleiman, A., Dewaranu, T., & Anjani, N. H. (2022). Melacak Program-Program Literasi Keuangan di Indonesia. https://doi.org/10.35497/359634
Tony, N., & Desai, K. (2020). Impact Of Digital Financial Literacy On Digital Financial Inclusion. INTERNATIONAL JOURNAL OF SCIENTIFIC & TECHNOLOGY RESEARCH, 9, 1. www.ijstr.org
Tuzzuhro, F., Rozaini, N., & Yusuf, M. (2023). Perkembangan perbankan syariah di indonesia. Jurnal Pendidikan Ekonomi Akuntansi, 11(2).
Valkenburg, P. M., & Peter, J. (2013). The differential susceptibility to media effects model. Journal of Communication, 63(2), 221–243. https://doi.org/10.1111/jcom.12024
Vauzianah, V., & Setiyono, W. P. (2023). Financial Literacy and Z Generation : Bad Financial Management Behavior Caused By Lack of Literacy and Use Of Media sosial?
Yanto, H., Ismail, N., Kiswanto, K., Rahim, N. M., & Baroroh, N. (2021). The roles of peers and social media in building financial literacy among the millennial generation: A case of indonesian economics and business students. Cogent Social Sciences, 7(1). https://doi.org/10.1080/23311886.2021.1947579
Adiyanto, M. R., Setyo, A., & Purnomo, D. (2021). Dampak Tingkat Literasi Keuangan Syariah Terhadap Minat Menggunakan Produk Keuangan Syariah. 9(1), 1–12.
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Al-shami, S. A., Damayanti, R., Adil, H., Farhi, F., & Al mamun, A. (2024). Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia. Heliyon, 10(15). https://doi.org/10.1016/j.heliyon.2024.e34902
Andrean, & Soejono, F. (2022). Literasi keuangan, minat dalam menggunakan financial technology dan inklusi keuangan guru. 1.
Annisa, Z. N., & Wulansari, D. (2024). Pemanfaatan media sosial instagram sebagai media promosi di staffee.ca bouquet sidoarjo. Neraca Manajemen, Ekonomi, 6. https://doi.org/10.8734/mnmae.v1i2.359
Apriliani, P. A., & Yudiaatmaja, F. (2023). Terhadap inklusi keuangan mahasiswa program studi s1 manajemen universitas pendidikan ganesha. Jurnal Manajemen Dan Bisnis, 5(1).
Ariefin, M. surya, Bulkia, S., & Berlyn Hakim, M. (2023). Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan Dengan Pelatihan Keuangan Sebagai Variabel Moderasi Pada UKM. Media Komunikasi Ilmu Ekonomi, 40(1), 1–12. https://doi.org/10.58906/melati.v40i1.93
Asep, Amelia, M., & Ratnawati. (2024). Model Penguatan Literasi Digital dan Literasi Keuangan pada UMKM Melalu Coaching Clinic. 7. https://jurnal.untan.ac.id/index.php/MBIC/index
Bank Group, W. (2014). World Bank Annual Report 2014.
Baranidharan, S., Vasani Sankarkumar, A., Chandrakala, G., Narayanan, R., & Sathyanarayana, K. (2023). The role of social media in empowering digital financial literacy. In Global Perspectives on Social Media Usage Within Governments (pp. 80–96). IGI Global. https://doi.org/10.4018/978-1-6684-7450-1.ch006
BPS. (2023). Statistics indonesia statistik infografis 2024 indonesia dalam infografis.
Dasra Viana, E., Febrianti, F., & Ratna Dewi, F. (2021). Literasi Keuangan, Inklusi Keuangan dan Minat Investasi Generasi Z di Jabodetabek Financial Literacy, Financial Inclusion, and Investment Interest Generation Z’s in Jabodetabek. Jurnal Manajemen Dan Organisasi (JMO), 12(3), 252–264.
Davis, F. (1987). User Acceptance Of Information System : The Technology Acceptance Model (TAM).
Dienillah, A. A., & Anggraeni, L. (2016). Dampak inklusi keuangan terhadap stabilitas sistem keuangan di asia. Buletin Ekonomi Moneter Dan Perbankan, 18(4), 409–430. https://doi.org/10.21098/bemp.v18i4.574
Drummond, C., McGrath, H., & O’Toole, T. (2023). Beyond the platform: Social media as a multi-faceted resource in value creation for entrepreneurial firms in a collaborative network. Journal of Business Research, 158. https://doi.org/10.1016/j.jbusres.2023.113669
Fahlevi, P., & Dewi, A. O. P. (2019). Analisis aplikasi ijateng dengan menggunakan teori technology acceptance model (tam).
For International Settlements, B. (2016). Economic chapters of the 86th Annual Report, June 2016. www.bis.org/publ/arpdf/ar2016e.htm
Freeman, R. E., & McVea, F. J. (2005). A Stakeholder Approach to Strategic Management. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.263511
Frimpong, F. K. S., Hope, E., & Anane-Donkor, L. (2022). Investigating Marketing Communication Mix on Brand Performance Indicators. International Journal of Online Marketing, 12(1), 1–21. https://doi.org/10.4018/ijom.299400
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Jannah, S. I., Khusnah, H., & Anugraini, M. (2023). Efek Mediasi Penggunaan Financial Technology Pada Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan. AKUNESA: JurnalAkuntansi Unesa, 12(1). https://doi.org/10.26740/akunesa
Judijanto, L., Destiana, R., Sudarmanto, E., Ayu, I., Suprapti, P., & Harsono, I. (2024). Analisis Pengaruh Adopsi Teknologi Finansial, Kepercayaan Nasabah, dan Regulasi Terhadap Penggunaan Layanan Keuangan Digital. In Jurnal Akuntansi dan Keuangan West Science (Vol. 3, Issue 01).
Khera, P., Ng, S., Ogawa, S., Sahay, R., Adrian, T., Čihák, M., Eriksson Von Allmen, U., Lahreche, A., Beaton, K., Bazarbash, M., Alonso-Gamo, P., Berkmen, P., Blancher, N., Dabla-Norris, E., Das, B., Elliot, J., Grinberg, F., Dirk, J., Grolleman, F., … Carcel Vilanova, H. (2021). Measuring Digital Financial Inclusion in Emerging Market and Developing Economies: A New Index IMF Working Paper Monetary and Capital Markets Department Measuring Digital Financial Inclusion in Emerging Market and Developing Economies: A New Index The authors wish to thank.
Kuchciak, I., & Wiktorowicz, J. (2021). Empowering Financial Education by Banks—Social Media as a Modern Channel. Journal of Risk and Financial Management, 14(3). https://doi.org/10.3390/jrfm14030118
Kusnanto, E., Rizal, M., Permana, N., Stie, K., & Bangsa, I. (2024). Transformasi Digital dalam Perbankan Syariah: Meningkatkan Inklusi Keuangan Melalui Edukasi dan Literasi Digital Digital Transformation in Sharia Banking: Increasing Financial Inclusion Through Digital Education and Literacy. 1(3), 3048–0663. https://doi.org/10.62951/unggulan.v1i3.494
Mishra, D., Agarwal, N., Sharahiley, S., & Kandpal, V. (2024). Digital Financial Literacy and Its Impact on Financial Decision-Making of Women: Evidence from India. Journal of Risk and Financial Management, 17(10). https://doi.org/10.3390/jrfm17100468
Naing, L., Nordin, R. Bin, Abdul Rahman, H., & Naing, Y. T. (2022). Sample size calculation for prevalence studies using Scalex and ScalaR calculators. BMC Medical Research Methodology, 22(1), 209. https://doi.org/10.1186/s12874-022-01694-7
Napitupulu, J. H., Ellyawati, N., & Astuti, R. F. (2021). Pengaruh literasi keuangan dan sikap keuangan terhadap perilaku pengelolaan keuangan mahasiswa kota samarinda. 9.
Naza Refilia, D., & Pahlawi, N. (2023). Pemanfaatan Media Sosial Dalam Pemasaran Produk Bank Syariah Indonesia (Dea Naza Refilia) In Jurnal Manajemen dan Bisnis (JMB) (Vol. 4, Issue 1).
OJK, & BPS. (2024). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024.
Oktavianna, R., Finatariani, E., Rohmah, S., & Ali, A. S. (2022). Pengaruh Literasi Keuangan Dan Penggunaan Keuangan Digital Terhadap Inklusi Keuangan Pada UMKM Di Kota Tangerang (Vol. 01, Issue 1). http://www.openjournal.unpam.ac.id/index.php/par
Putri, R. E., Goso, G., Hamid, R. S., & Ukkas, I. (2022). Pengaruh Literasi Keuangan, Financial Technology dan Inklusi Keuangan terhadap Kinerja Keuangan Pengusaha Muda. Owner, 6(2), 1664–1676. https://doi.org/10.33395/owner.v6i2.790
Rahayu, R., Ali, S., Aulia, A., & Hidayah, R. (2022). The Current Digital Financial Literacy and Financial Behavior in Indonesian Millennial Generation. Journal of Accounting and Investment, 23(1), 78–94. https://doi.org/10.18196/jai.v23i1.13205
Rahman, Putra, K. N., & Hariatama, F. (2024). Pengaruh Media Sosial dan Literasi Keuangan Terhadap Perilaku Konsumstif Mahasiswa Pendidikan Ekonomi.
Rapih, S. (2016). Pendidikan literasi keuangan pada anak: Mengapa dan Bagaimana?
Ribot, J. C., & Peluso, N. L. (2003). A theory of access. Rural Sociology, 68(2), 153–181. https://doi.org/10.1111/j.1549-0831.2003.tb00133.x
Ristiana, N., & Widyastuti, E. (2022). Analisis pengaruh literasi keuangan digital terhadap minat mahasiswa dalam penggunaan layanan e-banking. Jurnal
masharif al - syariah : jurnal ekonomi dan perbankan syariah, 7(1), 425–444.
Rubiyanty, I. M., Fadhila, L. S., & Mellinia, S. P. (2024). Pengaruh Literasi Keuangan, Kompetensi, dan Penggunaan Sosial Media terhadap Kinerja UMKM. Jurnal ekonomika45, 12(1).
Safitri, L. A., & Dewa, C. B. (2022). ASSET: JURNAL MANAJEMEN Analisa Pengaruh Literasi Keuangan Melalui Media Sosial Instagram Terhadap Pengelolaan Keuangan Generasi-Z INFO ARTIKEL ABSTRAK.
Shinu, & Mullappallykayamkulath, M. A. (2022). Digital Financial Literacy and its Impact on the Financial Behaviour of Millennials: An Empirical Investigation. In International Journal of Financial Management (Vol. 12, Issue 3). http://publishingindia.com/ijfm/
Suchocka, L., Yarasheva, A., Medvedeva, E., Aleksandrova, O., Alikperova, N., Kroshilin, S., Aleksandrova, O. A., & Pavlov, I. P. (2022). Researcher ID: S-1899-2018; Scopus Author ID: 57215341618. 6 Sergey V. Kroshilin, PhD in Technical Sciences, Associate Professor, Senior Researcher of the Ministry of Health of the Russian Federation. In Population of the Federal Center of Theoretical and Applied Sociology of the Russian Academy of Sciences (Vol. 29, Issue 1). https://tass.ru/ekonomika/9130105/
Suleiman, A., Dewaranu, T., & Anjani, N. H. (2022). Melacak Program-Program Literasi Keuangan di Indonesia. https://doi.org/10.35497/359634
Tony, N., & Desai, K. (2020). Impact Of Digital Financial Literacy On Digital Financial Inclusion. INTERNATIONAL JOURNAL OF SCIENTIFIC & TECHNOLOGY RESEARCH, 9, 1. www.ijstr.org
Tuzzuhro, F., Rozaini, N., & Yusuf, M. (2023). Perkembangan perbankan syariah di indonesia. Jurnal Pendidikan Ekonomi Akuntansi, 11(2).
Valkenburg, P. M., & Peter, J. (2013). The differential susceptibility to media effects model. Journal of Communication, 63(2), 221–243. https://doi.org/10.1111/jcom.12024
Vauzianah, V., & Setiyono, W. P. (2023). Financial Literacy and Z Generation : Bad Financial Management Behavior Caused By Lack of Literacy and Use Of Media sosial?
Yanto, H., Ismail, N., Kiswanto, K., Rahim, N. M., & Baroroh, N. (2021). The roles of peers and social media in building financial literacy among the millennial generation: A case of indonesian economics and business students. Cogent Social Sciences, 7(1). https://doi.org/10.1080/23311886.2021.1947579
Published
2025-01-26
How to Cite
Salsabila, T., & Amri, A. (2025). Peran Literasi Keuangan dan Literasi Keuangan Digital terhadap Inklusi Keuangan: Studi pada Nasabah Bank Syariah di Kota Tangerang dengan Media Sosial sebagai Moderator. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 8(1), 526-543. https://doi.org/https://doi.org/10.36778/jesya.v8i1.1940
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