ANALISIS TINGKAT LITERASI DAN MINAT MASYARAKAT DESA LOGAS DALAM PENGGUNAAN FINANCIAL TECHNOLOGY (FINTECH)

Authors

  • Nobel Aqualdo Riau University
  • Cut Endang Kurniasih Riau University
  • Hilmah Zuryani Riau University

DOI:

https://doi.org/10.37932/j.e.v13i1.504

Keywords:

Fintech, Financial Literacy, Interest, Village Community

Abstract

Persentase literasi dan inklusi keuangan belum merata antar wilayah di Indonesia, termasuk di Provinsi Riau. Tingkat pendidikan masyarakat pedesaan yang terbatas dan kegiatan ekonomi pedesaan identik tradisional mempengaruhi literasi dan minat mereka terhadap penggunaan teknologi finansial atau fintech. Penelitian ini bertujuan untuk menganalisis tingkat literasi dan minat masyarakat Desa Logas terhadap penggunaan fintech. Penelitian dilakukan di Desa Logas, Kecamatan Singingi, Kabupaten Kuantan Singingi, Provinsi Riau. Jumlah sampel yang digunakan sebanyak 49 orang responden yang mewakili populasi di Desa Logas. Adapun model yang digunakan adalah deskriptif kualitatif. Hasil penelitian ini menunjukkan bahwa tingkat literasi masyarakat mengenai fintech masih rendah. Minimnya pengetahuan tersebut menyebabkan jumlah pengguna sedikit hanya sebesar 24%. Selain itu, fintech diharapkan meningkat, karena minat terhadap fintech yang direkomendasikan secara baik oleh masyarakat untuk digunakan dalam urusan finansial di masa akan datang. Temuan utama penelitian ini adalah keberadaan fintech di Desa Logas masih belum optimal. Hal ini membutuhkan intervensi kebijakan yang lebih tegas untuk meningkatkan literasi masyarakat pedesaan terhadap keuangan digital khususnya financial technology (fintech). Kata Kunci: Fintech, Literasi Keuangan, Minat. ABSTRACT The percentage of financial literacy and inclusion is not evenly distributed between regions in Indonesia, including in Riau Province. The limited educational level of rural communities and identical traditional rural economic activities affect their literacy and interest in using financial technology or fintech. This study aims to analyze the level of literacy and interest of the people of Logas Village in using fintech. The research was conducted in Logas Village, Singingi District, Kuantan Singingi Regency, Riau Province. The number of samples used was 49 respondents representing the population in Logas Village. The model used is descriptive qualitative. The results of this study indicate that low levels of financial literacy among community towards fintech. This lack of knowledge causes the number of users relatively small, only 24% users. Further, it is expected that the fintech usage will be more increase, since the high interest in fintech which is well recommended by the community for use in financial matters in the future. A key finding of the study is that the presence of fintech in Logas Village is still insufficient. This calls for more decisive policy interventions to enhance the rural community’s literacy for digital finance especially financial technology (fintech). Keywords: Fintech, Financial Literacy, Interest.

Author Biographies

Nobel Aqualdo, Riau University

Dosen Jurusan Ilmu Ekonomi Prodi S-1 Ekonomi Pembangunan FEB Universitas Riau

Cut Endang Kurniasih, Riau University

Dosen Jurusan Ilmu Ekonomi Prodi S-1 Ekonomi Pembangunan FEB Universitas Riau

Hilmah Zuryani, Riau University

Dosen Jurusan Ilmu Ekonomi Prodi S-1 Ekonomi Pembangunan FEB Universitas Riau

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Published

2023-04-01

How to Cite

Aqualdo, N., Kurniasih, C. E., & Zuryani, H. (2023). ANALISIS TINGKAT LITERASI DAN MINAT MASYARAKAT DESA LOGAS DALAM PENGGUNAAN FINANCIAL TECHNOLOGY (FINTECH). Jurnal Ekobis : Ekonomi Bisnis &Amp; Manajemen, 13(1), 1–14. https://doi.org/10.37932/j.e.v13i1.504

Issue

Vol. 13 No. 1 (2023): Jurnal Ekobis: Ekonomi Bisnis dan Manajemen

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