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Pengaruh Inklusi Keuangan, Akses Kredit, Dan Digital Banking Pertumbuhan Usaha Mikro Di Sulawesi Selatan | JUMESI : Jurnal Manajemen dan Akuntansi

Pengaruh Inklusi Keuangan, Akses Kredit, Dan Digital Banking Pertumbuhan Usaha Mikro Di Sulawesi Selatan

Penulis

  • Suharti Sekolah Tinggi Ilmu Ekonomi Pelita Buana
  • Manda Sekolah Tinggi Ilmu Ekonomi pelita Buana
  • Alini Asriani Sekolah Tinggi Ilmu Ekonomi Pelita Buana
  • Syahrul Ardiansyah Sekolah Tinggi Ilmu Ekonomi Pelita Buana
  • Haikal Sekolah Tinggi Ilmu Ekonomi Pelita Buana
  • Desy Rahmawati Anwar Sekolah Tinggi Ilmu Ekonomi Pelita Buana

Kata Kunci:

Inklusi keuangan, akses kredit, digital banking, pertumbuhan usaha mikro, UMKM, ekonomi digital

Abstrak

Penelitian ini dilatarbelakangi oleh masih rendahnya kualitas inklusi keuangan, keterbatasan akses kredit produktif, dan belum optimalnya pemanfaatan digital banking pada usaha mikro di Sulawesi Selatan, meskipun transformasi ekonomi digital di Indonesia berkembang secara signifikan. Kesenjangan akses layanan keuangan formal dan rendahnya literasi keuangan digital menjadi hambatan utama pertumbuhan usaha mikro, khususnya di wilayah berkembang Indonesia Timur. Penelitian ini bertujuan menganalisis pengaruh inklusi keuangan, akses kredit, dan digital banking terhadap pertumbuhan usaha mikro di Sulawesi Selatan.

Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan paradigma post-positivist dan desain cross-sectional. Populasi penelitian adalah pelaku usaha mikro di Sulawesi Selatan, dengan sampel sebanyak 300 responden yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner berbasis skala Likert dan dianalisis menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Pengujian model dilakukan melalui evaluasi outer model dan inner model meliputi validitas konstruk, reliabilitas, path coefficient, R-square, dan pengujian hipotesis.

Hasil penelitian menunjukkan bahwa inklusi keuangan, akses kredit, dan digital banking berpengaruh positif dan signifikan terhadap pertumbuhan usaha mikro. Digital banking menjadi variabel paling dominan dalam meningkatkan pertumbuhan usaha melalui efisiensi transaksi, percepatan arus kas, dan perluasan akses pasar. Penelitian ini menemukan bahwa transformasi digital sektor keuangan telah menjadi faktor strategis dalam pengembangan usaha mikro di Sulawesi Selatan.

Novelty penelitian terletak pada integrasi Financial Inclusion Theory, Resource-Based View (RBV), dan Technology Acceptance Model (TAM) dalam menjelaskan pertumbuhan usaha mikro pada konteks daerah berkembang di Indonesia Timur. Penelitian ini berkontribusi secara teoretis terhadap pengembangan literatur financial inclusion dan digital financial services, serta secara praktis menjadi dasar kebijakan penguatan inklusi keuangan digital, akses kredit produktif, dan transformasi UMKM berbasis teknologi di Sulawesi Selatan.

Referensi

Arifin, Z., Muhammad, A. A., Gunawan, M. H., & Safitri, A. (2025). Transformation of Productive Zakat for the Empowerment of Urban Poor Families. Jurnal Pelita Raya, 1(2), 137-151.

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Bongomin, G. O. C., Akol Malinga, C., Amani Manzi, A., & Balinda, R. (2023). Agent liquidity: A catalyst for mobile money banking among the unbanked poor population in rural sub-Saharan Africa. Cogent Economics & Finance, 11(1), 2203435.

Chin, W. W. (1998). The partial least squares approach to structural equation modeling. In Modern methods for business research (pp. 295-336). Psychology Press.

Creswell, J. W., & Creswell, J. D. (2017). Research design: Qualitative, quantitative, and mixed methods approaches. Sage publications.

Data dan laporan resmi diperoleh dari Otoritas Jasa Keuangan (OJK) dan Badan Pusat Statistik (BPS).

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 13(3), 319-340.

Demirguc-Kunt, A., Klapper, L., Singer, D., & Ansar, S. (2022). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19-Chapter 2: Use of Financial Services.

Demirguc-Kunt, A., Klapper, L., Singer, D., & Ansar, S. (2022). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19-Chapter 2: Use of Financial Services.

Lyons, A. C., & Kass-Hanna, J. (2022). 24 the evolution of financial services in the digital age (Vol. 405, pp. 405-430). Berlin, Germany: De Gruyter.

Morgan, P. J., & Long, T. Q. (2020). Financial literacy, financial inclusion, and savings behavior in Laos. Journal of Asian economics, 68, 101197.

Ozili, P. K. (2021, October). Financial inclusion research around the world: A review. In Forum for social economics (Vol. 50, No. 4, pp. 457-479). Routledge.

Pranata, N., Arifin, Z., & Hidayat, R. (2022). Financial inclusion and MSME productivity in Indonesia. Cogent Economics & Finance, 10(1), 2035162.

Sarstedt, M., Ringle, C. M., & Hair, J. F. (2021). Partial least squares structural equation modeling. In Handbook of market research (pp. 587-632). Cham: Springer International Publishing.

Sekaran, U. (2016). Research methods for business: A skill building approach.

Sethi, D., & Acharya, D. (2018). Financial inclusion and economic growth linkage: Some cross country evidence. Journal of Financial Economic Policy, 10(3), 369-385.

Sharma, P., Leung, T. Y., Kingshott, R. P., Davcik, N. S., & Cardinali, S. (2020). Managing uncertainty during a global pandemic: An international business perspective. Journal of business research, 116, 188-192.

Yen, T. Q. Nguyen Thi Thu Hien, University of Economics Ho Chi Minh City, Vietnam Nguyen Thi Thu Nguyet, University of Economics Ho Chi Minh City, Vietnam Dinh Quang Thai, University of Economics Ho Chi Minh City, Vietnam Nguyen Ngoc Tram, University of Economics Ho Chi Minh City, Vietnam. Assoc. Prof. Dr. Bui Thanh Trang Dr. Dinh Thi Thu Hong, 390.

Unduhan

Diterbitkan

2026-06-23

Terbitan

Vol 2 No 2 (2026): JUMESI

Bagian

Artikel