THE INFLUENCE OF FINANCIAL INCLUSION AND FINANCIAL LITERACY ON FINANCIAL PERFORMANCE (Case Study Of Bank Sumut Syariah Panyabungan)

Ummi Itiah Nasution, K. K, N. Rahmani
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Abstract

The purpose of this research is to find out how the financial performance of Bank Sumut Syariah Panyabungan is influenced by financial inclusion and financial literacy. In this research a questionnaire was used as a data collection tool. All employees of Bank Sumut Syariah Panyabungan who were sampled in this study were the population. Thirteen workers were used to collect samples using a saturated sampling method (also known as total sampling). Validity test, reliability test, normality test, multicollinearity test, t test, f test, and r test are the data analysis methodologies used in this study. The research findings show that there is a relationship between financial inclusion and financial performance, with a sig value of 0.041 and tcount 2.256 > ttable 2.131, there is a relationship between financial literacy and financial performance, with a sig value of 0.026 and tcount 2.486 > ttable 2.131, and a potential relationship between inclusion finance with financial performance, with a sig value of 0.002 and fcount of 9.549. The research findings show that at Bank Sumut Syariah Panyabungan, financial inclusion and literacy both have an impact on financial performance.
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金融包容性和金融知识对金融业绩的影响(Sumut Syariah Panyabungan 银行案例研究)
本研究旨在了解金融包容性和金融知识对 Sumut Syariah Panyabungan 银行财务业绩的影响。本研究使用问卷作为数据收集工具。在本研究中被抽样调查的苏木特回教银行的所有员工都是调查对象。采用饱和抽样法(也称为总体抽样法)收集了 13 名员工的样本。本研究采用的数据分析方法包括有效性检验、可靠性检验、正态检验、多重共线性检验、t 检验、f 检验和 r 检验。研究结果表明,普惠金融与财务绩效之间存在关系,sig 值为 0.041,tcount 2.256 > ttable 2.131;金融素养与财务绩效之间存在关系,sig 值为 0.026,tcount 2.486 > ttable 2.131;普惠金融与财务绩效之间存在潜在关系,sig 值为 0.002,fcount 9.549。研究结果表明,在 Sumut Syariah Panyabungan 银行,普惠金融和扫盲都对财务绩效有影响。
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