金融素养对家庭金融包容性的影响,社交网络是适度变量

Isna Samrotul Fuadah, Aniek Hindrayani, Salman Alfarisy Totalia
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引用次数: 0

摘要

该研究旨在确定金融素养对家庭金融包容性的影响,并将社交网络作为布罗拉摄政地区穷人的调节变量。本研究为定量描述性研究,研究对象为Blora Regency的贫困人口,共计391人。抽样采用概率抽样和分层随机抽样技术。收集数据的过程是通过一份或多份问卷的方式进行的,这些问卷分发给每个收到彩票号码作为样本的家庭。效度检验技术使用皮尔逊积矩相关公式。使用的数据分析是使用适度回归分析(MRA)的分层回归。研究结果包括:首先,金融素养对Blora Regency贫困户普惠金融具有显著的正向影响。第二,社会网络对Blora Regency贫困家庭的普惠金融具有显著的正向影响。第三,社会网络强化了Blora Regency贫困家庭金融素养与普惠金融之间的关系。
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Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan Rumah Tangga Dengan Jaringan Sosial (Network) Sebagai Variabel Moderating
  The research was conducted aiming to determine the effect of financial literacy on household financial inclusion with social networks as a moderating variable for the poor in Blora Regency. This research is a quantitative descriptive research where the research subjects are the poor people of Blora Regency, amounting to 391 respondents. Sampling was carried out using probability sampling with stratified random sampling technique. The process of collecting data is carried out by means of a questionnaire or questionnaire which is distributed to every house that has received a lottery number as a sample. The validity test technique uses the pearson product moment correlation formula. Data analysis used is hierarchical regression using Moderated Regression Analysis (MRA). The research results obtained include. First, financial literacy has a positive and significant effect on the financial inclusion of poor households in Blora Regency. Second, social networks have a positive and significant impact on the financial inclusion of poor households in Blora Regency. Third, social networks strengthen the relationship between financial literacy and the financial inclusion of poor households in Blora Regency.
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