ANALISIS EMPIRIS PERAN ADOPSI FINTECH TERHADAP INKLUSI KEUANGAN MELALUI DIGITAL INNOVATION: STUDI PADA KLASTER UMKM MAKANAN

Heni Dwi Listiyaningrum; Ivan Permana; Tantik Sumarlin; Dipa Dwi Milati; Rahma Munifatul Latifah

doi:10.51903/dinamika.v6i2.1446

Authors

Heni Dwi Listiyaningrum Universitas Sains dan Teknologi Komputer https://orcid.org/0009-0009-7679-2378
Ivan Permana Universitas Sains dan Teknologi Komputer https://orcid.org/0009-0008-7340-2023
Tantik Sumarlin Universitas Sains dan Teknologi Komputer https://orcid.org/0009-0009-2372-0450
Dipa Dwi Milati Universitas Sains dan Teknologi Komputer https://orcid.org/0009-0002-0828-6229
Rahma Munifatul Latifah Universitas Sains dan Teknologi Komputer https://orcid.org/0009-0000-5332-7881

DOI:

https://doi.org/10.51903/dinamika.v6i2.1446

Keywords:

FinTech Adoption, Digital Innovation, Financial Inclusion, Food MSMEs, Central Java

Abstract

This study was designed to examine the influence of fintech adoption on financial inclusion, with digital innovation serving as a mediating variable. Employing a quantitative approach, data were collected from 100 respondents, business owners within food-sector MSME clusters located in Central Java Province. A non-probability sampling technique, specifically purposive sampling, was used, and the research instrument consisted of a questionnaire utilizing a 1–5 Likert scale. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS software (version 4.1.1.8). The findings indicate that fintech adoption has a positive and significant effect on financial inclusion; similarly, digital innovation was shown to have a positive and significant impact on financial inclusion. Furthermore, digital innovation acts as a mediator linking the influence of fintech adoption to financial inclusion. Theoretically, this study provides an empirical contribution to the literature regarding the role of digital innovation within the food-sector MSME ecosystem.

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