Pengaruh Literasi Keuangan dan Modal Sosial terhadap Inklusi Keuangan Mahasiswa

Abstract

Financial inclusionis a process to ensurean easy accessan availability of the formal financial system for all financial economic actors Financial inclusion can be influenced by two factors, i.e: financial literacy and social capital. This study aims to determine the effect of financial literacy and social capital on UMSU Faculty of Economics and Business students. The population in this study were Faculty of Economics and Business students, amounting to 1,033 students of 2016 using rurmus Slovin, the sample was 288 students, and those who could fill in the questionnaire were 260 samples. This population technique uses accidental sampling. This data collection technique uses interviews and questionnaires. The data analysis technique used is descriptive statistics and multiple linear regression with the help of SPSS. The results of this study provethat (1) financial literacy has a positive and significant effects on financial inclusion, (2) social capital has a positive and significant effects on financial inclusion. Basedonthe F testresults, financial inclusion and social capital simultaneously have a significant effect on financial inclusion.