The Role of Fintech in Financial Inclusion  (Case Study of MSME Entrepreneurs in Surabaya)

Dwi Arini  Nursansiwi; Armiani Armiani

doi:10.62207/5n4tc713

Authors

Dwi Arini Nursansiwi Universitas Mbojo Bima Author
Armiani Armiani STIE AMM Mataram, NTB Author

DOI:

https://doi.org/10.62207/5n4tc713

Keywords:

Financial inclusion, Micro, Small and Medium Enterprises (MSMEs), Financial Risk, Perceived Usefulness, Trust

Abstract

This research aims to investigate the influence of certain factors on financial inclusion in Micro, Small and Medium Enterprises (MSMEs) in the City of Surabaya. The quantitative analysis method was used by collecting data through questionnaires from 100 respondents who were MSME owners. The research results show that financial risk factors have a positive and significant influence on financial inclusion, while the perceived usefulness and trust factors do not have a significant influence. These findings provide important insights for stakeholders in designing policies that support MSME financial inclusion in the city of Surabaya.

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