Electronic Theses and Dissertation

Penelitian ini bertujuan untuk menguji peran financial technology, digital finance dan social capital dalam memediasi pengaruh islamic financial literacy terhadap islamic financial inclusion di Kota Banda Aceh. Populasi dalam penelitian ini adalah penduduk di Kota Banda Aceh yaitu berjumlah 252.899 jiwa. Sampel pada penelitian ini berjumlah 385 orang. Analisis data dalam penelitian ini menggunakan metode Structural Equation Modelling (SEM). Hasil penelitian menunjukkan bahwa islamic financial literacy berpengaruh positif terhadap financial technology, islamic financial literacy berpengaruh positif terhadap digital finance, islamic financial literacy berpengaruh positif terhadap social capital, islamic financial literacy berpengaruh positif terhadap islamic financial inclusion, financial technology berpengaruh positif terhadap islamic financial inclusion, digital finance berpengaruh positif terhadap islamic financial inclusion, social capital berpengaruh positif terhadap islamic financial inclusion, financial technology memediasi secara parsial pengaruh islamic financial literacy terhadap islamic financial inclusion, digital finance memediasi secara parsial pengaruh islamic financial literacy terhadap islamic financial inclusion pada masyarakat di kota banda aceh, dan social capital memediasi secara parsial pengaruh islamic financial literacy terhadap islamic financial inclusion pada masyarakat di Kota Banda Aceh.

Kata Kunci: Financial Technology, Digital Finance, Social Capital, Islamic Financial Literacy, Islamic Financial Inclusion

This study aims to examine the role of financial technology, digital finance and social capital in mediating the influence of Islamic financial literacy on Islamic financial inclusion in Banda Aceh City. The population in this study is the population in the city of Banda Aceh, which is 252,899 people. The sample in this study amounted to 385 people. Data analysis in this study used the Structural Equation Modeling (SEM) method. The results showed that Islamic financial literacy has a positive effect on financial technology, Islamic financial literacy has a positive effect on digital finance, Islamic financial literacy has a positive effect on social capital, Islamic financial literacy has a positive effect on Islamic financial inclusion, financial technology has a positive effect on Islamic financial inclusion, digital finance has a positive effect on Islamic financial inclusion, social capital has a positive effect on Islamic financial inclusion, financial technology partially mediates the effect of Islamic financial literacy on Islamic financial inclusion, digital finance partially mediates the effect of Islamic financial literacy on Islamic financial inclusion in people in the city of Banda aceh, and social capital partially mediate the influence of Islamic financial literacy on Islamic financial inclusion in the community in Banda Aceh City. Keywords: Financial Technology, Digital Finance, Social Capital, Islamic Financial Literacy, Islamic Financial Inclusion