THE INFLUENCE Of CASHLESS PAYMENT USAGE AND PROTECTION AGAINST FINANCIAL INCLUSION IN MICRO AND SMALL ENTERPRISES IN KEDIRI
Keywords:
Usage of Cashless Payment, Digital Consumer Protect, Financial Inclusion
Abstract
This study examines the effect of the use of cashless payment system and the protection of cashless payment users on financial inclusion in MSEs in Kediri. The sample used in this study amounted to 400 respondents. Data were collected using an online questionnaire via Google Form. The data analysis method used in this study is PLS. The analysis test results show that there is a significant effect of using the cashless payment system on financial inclusion in MSEs (Micro and Small Enterprises) Kediri.
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Ervina. (2019, December 3). Talent Insight. Retrieved from the important role of MSMEs in the Economic Sector: https://www.talenta.co/blog/insight-talenta/peran-umkm/
Francisca, & Malelak, M. I. (2020). Pengaruh corporate governance terhadap firm’s debt pada perusahaan sektor industri barang konsumsi periode 2013-2018. International Journal of Financial and Investment Studies (IJFIS), 1(1), 30-41. https://doi.org/10.9744/ijfis.1.1.30-41.
Ghozali, I. (2014). Structural equation modeling. Semarang: Diponegoro University Publishing Agency.
Mazer.R, VK (2016, January 13). Finding 'win-win' in digitally delivered consumer credit. Retrieved from www.cgap.org/blog/finding-"win-win"-digitally delivered-consumer-credit
Mazer, R., & McKee, K. (2017). Consumer protection in digital credit. CGAP, 1-24.
Minister of Law and Human Rights. (2008, July 10). Law No. 20 of 2008. Jakarta: State Institution of the Republic of Indonesia. Retrieved from Understanding MSMEs According to Experts and Laws That Should Be Understood as a Businessman: https://www.diadona.id/career/pengentuk-umkm-menurut-para-ahli-dan-undang-undang-yang-harus-dipaham -as-businessmen-200710y.html
Must, B., & Ludewig, K. (2010). Mobile money: cell phone banking in developing countries. Policy Matter, 27–33.
OJK. (2013, August 6). POJK concerning Consumer Protection in the Financial Services Sector. Jakarta: OJK.
OJK. (2017, November). Jakarta, Jakarta, Indonesia.
Kediri City Government. (2019, July 18). Kediri City Government. Retrieved from TPAKD Kediri City welcomes the TPAKD award assessment team at the command center: https://kedirikota.go.id/p/berita/ 1019192/tpakd-kota-kediri-sambut-tim-penilai-tpakd-award-di-command- center
Kediri City Government. (2019, December 10). Kediri City Government. Retrieved from Kota Kediri to get TPAKD awards 2019 received by the Regional Secretary of Kediri City: https://kedirikota.go.id/p/berita/ 1019315/kota-kediri-raih-tpakd-awards-
Putri, WD (2020, February 1). lifepal. Retrieved from What is financial inclusion? this is the definition and benefits: https://lifepal.co.id/media/apa-itu-inklusi-keuangan-ini-pengentuk-dan- benefit/
Rangga. (2020, May 5). accounting teacher. Retrieved from Payment system: https://guruakuntansi.co.id/ sistem-pembayaran/
Rezkisari, I. (2018, April 12). Republika.co.id. Retrieved from BRI ATM fraud network in Kediri using spycams mode: https://nasional.republika.co.id/berita/p72uvg328/jaringan-penipuan-atm-bri-di-kediri-use-modus-spycams
Rintis Sejahtera. (2020, March 30). Prima. Retrieved from Indonesia towards a cashless society: https://www.jaringanprima.co.id/id/indonesia-menuju-cashless-society
Sugiyono. (2017). Quantitative, qualitative, and R&D research methods. Bandung: Alfabeta, cv.
Sulaiman, F. (2019, March 21). Economic News. Retrieved from What is financial literacy ?: https://www.wartaekonomi.co.id/read220393/apa-itu-literasi-keuangan
Tee, H.-H., & Ong, H.-B. (2016, April 7). Financial Innovation. Cashless payment and economic growth.
Valant, J. (2015). Consumer protection aspects of mobile payments. Europe: European Parliamentary Research Service.
Wahono, H. K., & Pertiwi, D. (2020). Pengaruh Financial Literacy, Materialism, Compulsive Buying Terhadap Propensity to Indebtedness. International Journal of Financial and Investment Studies (IJFIS), 1(1), 1-14. https://doi.org/10.9744/ijfis.1.1.1-14
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Published
2020-10-30
How to Cite
Lenniawati, M., & Anastasia, N. (2020). THE INFLUENCE Of CASHLESS PAYMENT USAGE AND PROTECTION AGAINST FINANCIAL INCLUSION IN MICRO AND SMALL ENTERPRISES IN KEDIRI. International Journal of Financial and Investment Studies (IJFIS), 1(2), 67-76. https://doi.org/10.9744/ijfis.1.2.67-76
Section
Articles
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