簡易檢索 / 詳目顯示
| 研究生： |
林福益 Hadi Jaya Darfian |
|---|---|
| 論文名稱： |
金融素養和普惠金融對印尼人民經濟福祉的影響 The Impact of Financial Literacy and Financial Inclusion on The Economic Well-Being of The Indonesian People |
| 指導教授： |
吳文傑
Wen-Chieh Wu |
| 口試委員: |
蘇昱璇
Yu-hsuan Su 鄭旭高 Hsu-Kao Cheng |
| 學位類別： |
碩士
Master |
| 系所名稱： |
社會科學學院 - 應用經濟與社會發展英語碩士學位學程(IMES) International Master's Program of Applied Economics and Social Development(IMES) |
| 論文出版年： | 2026 |
| 畢業學年度： | 114 |
| 語文別： | 英文 |
| 論文頁數： | 65 |
| 中文關鍵詞： | 金融素養 、金融包容 、經濟福祉 |
| 外文關鍵詞： | Financial Literacy, Financial Inclusion, Economic Well-being |
| 相關次數： | 點閱：14 下載：3 |
| 分享至: |
| 查詢本校圖書館目錄 查詢臺灣博碩士論文知識加值系統 勘誤回報 |
本研究旨在分析金融素養與金融包容性對社區經濟福祉的影響，背景在於印尼雖具備高度的正式金融服務可及性，但金融素養水平仍偏低，此現象可能限制社區進行財務決策的能力。研究採用定量方法，透過目的性抽樣技術實施橫斷面調查設計。結果顯示金融素養對經濟福祉具有顯著正向影響（t = 5.818；sig < 0.001），其中對財務記錄、儲蓄、投資及支出控制的理解有助提升經濟穩定性。金融包容性為最關鍵變項（t = 8.613；sig < 0.001），因儲蓄管道、商業信貸、電子錢包及數位服務的可及性可提升收入與經濟韌性。兩項變數共同對經濟福祉產生顯著影響，貢獻度達72%，其餘28%則受其他因素影響。此研究結果強調強化金融素養與拓展正式數位金融服務管道的重要性，具體策略包括：透過公共教育提升金融素養、發展金融包容計畫，以及將金融素養納入教育課程，以促進公共福祉。
This study aims to analyze the influence of financial literacy and financial inclusion on the economic well-being of the community against the backdrop of the disparity between the high level of access to formal financial services in Indonesia and the still low level of financial literacy that has the potential to limit the community's ability to make financial decisions. The study used a quantitative method with a cross-sectional survey design through a purposive sampling technique. The results showed that financial literacy had a positive and significant effect on economic well-being (t = 5,818; sig < 0.001), where understanding of financial recording, savings, investments, and spending control contributed to increased economic stability. Financial inclusion was the most dominant variable (t = 8,613; sig < 0.001) because access to savings, business credit, e-wallets, and digital services can increase income and economic resilience. Simultaneously, both variables had a significant effect with a contribution of 72% to economic well-being, while 28% was influenced by other factors. These findings emphasize the importance of strengthening financial literacy and expanding access to formal-digital financial services through public education, developing financial inclusion programs, and integrating financial literacy into the education curriculum as strategic steps to improve public well being.
ABSTRACT ii
摘要 iii
LIST OF CONTENTS iv
LIST OF TABLES vi
LIST OF FIGURE vii
CHAPTER I 1
INTRODUCTION 1
1.1 Background 1
1.2 Research Problems and Research Objectives 3
1.3 Research Contribution 3
1.4 Research Framework 4
CHAPTER II 6
LITERATURE REVIEW 6
2.1 Theory of Economic Well being 6
2.2 Financial Literacy 8
2.3 Financial Inclusion 11
2.4 Previous research 13
CHAPTER III 20
METHODOLOGY 20
3.1 Theoretical Framework 20
3.2 Hypothesis Development 20
3.3 Types and Design of Research 22
3.4 Research Location 22
3.5 Population and Sample 23
3.6 Method of collecting data 24
3.7 Operational Definition 25
3.8 Data analysis 27
CHAPTER IV 33
RESULTS AND DISCUSSION 33
4.1 Research result 33
4.1.1 Respondent Characteristics 33
4.1.2 Descriptive Statistics of Research Variables 34
4.1.3 Validity Test Results 36
4.1.4 Reliability Test 37
4.1.5 Normality Test Results 38
4.1.6 Multicollinearity Test Results 38
4.1.7 Heteroscedasticity Test Results 39
4.1.8 Results of Multiple Linear Regression Analysis 40
4.1.9 Results of the Coefficient of Determination (R²) Test 41
4.1.10 F Test Results 42
4.1.11 Partial Test Results (t-Test) 42
4.2 Discussion 43
4.2.1 Overview of Research Object 43
4.2.2 The Impact of Financial Literacy on Economic Well being 45
4.2.3 The Impact of Financial Inclusion on Economic Well being 46
4.2.4 The Simultaneous Influence of Financial Literacy and Financial Inclusion on Economic Well being 48
CHAPTER V 50
CONCLUSION 50
5.1 Conclusion and Policy Recommendations 50
5.2 Recommendations 51
REFERENCES 52
APPENDIX 54
RESEARCH QUESTIONNAIRE 54
Filling Instructions: 54
Alqam, MA, & Hamshari, YM (2024). The Impact Of Financial Literacy On Financial Inclusion For Financial Well-Being Of Youth: Evidence From Jordan. Discover Sustainability, 5(1). https://Doi.Org/10.1007/S43621-024-00704-6
Ariani, U., & Astuti, W. (2025). The Role of Financial Literacy and Financial Inclusion on QRIS Usage in Mataram City. JPEK (Journal of Economic Education and Entrepreneurship), 9(2), 922–936.
Arifin, MZ, Nugraha, M., Putri, TY, & Ramadhan, MS (2024). Grounding the Well being State Theory in Strengthening Village Funds for Poverty Alleviation According to Distributive Justice. Journal of Law and Social Society, 1(2), 29–42.
Assanniyah, M., & Setyorini, H. (2024). Management of the Influence of Financial Literacy and Financial Inclusion on Financial Management of MSMEs in Tanggulangin District. Dialektika: Journal of Economics and Social Sciences, 9(1), 36–49.
Ayustia, R., Jones Parlindungan Nadapdap, SE, Trisilo, RG, & SE, MM (2023). Financial Literacy and Adoption of Financial Technology for Small and Medium Enterprises in Border Areas. Mega Press Nusantara.
Batayneh, K., Al Salamat, W., & Momani, M. Q. M. (2021). The Impact Of Inflation On The Financial Sector Development: Empirical Evidence From Jordan. Cogent Economics & Finance, 9(1), 1970869.
Bull, G., & Klapper, L. (2023). Digital Financial Inclusion And Development. In Handbook Of Microfinance, Financial Inclusion And Development (Pp. 164–180). Edward Elgar Publishing.
Darma, S. (2024). Measuring Economic Output: Islamic and Conventional Perspectives in Assessing Social Well being. BULLET: Multidisciplinary Journal of Science, 3(2), 167–175.
Dawolo, AP, Sarumaha, FCS, Zebua, JS, & Halawa, H. (2025). The Impact of Financial Literacy on Household Debt Management. Journal of Economics and Business, 2(1), 31–40.
Fahrurrozi, M., SE, MM, Amrullah, SH, & Par, MS (2025). Sustainable Economics: Balance Between Growth, Sustainability, and Resilience. PT Literasi Nusantara Abadi Group.
Fandiyanto, R., Indatun, FK, Wulandari, D., Qomariyah, F., Wahyuni, S., Octavia, ST, & Syarofah, HA (2024). FINTECH AND WELL BEING, TO IMPROVE FINANCIAL ACCESS IN RURAL AREAS. Growth, 21(2), 551–567.
Fanji Farman, SE, Ak, M., Somad, A., Ak, SSM, Herbert, GG, SE, MM, Dian Widyantini, SE, Dewi, AP, Sy, ME, & Muthmainnah, R. (2025). Financial Inclusion in Developing Countries: Strategies to Reduce Economic Inequality. PT. Nawala Gama Education.
Gama, AWS, Buderini, L., & Astiti, NPY (2023). The Influence of Financial Literacy, Lifestyle, and Income on the Personal Financial Management Skills of Generation Z Students. KRISNA: Collection of Accounting Research, 15(1), 90–101.
Ingale, K. K., & Paluri, R. A. (2022). Financial Literacy And Financial Behavior: A Bibliometric Analysis. Review Of Behavioral Finance, 14(1), 130–154.
Judijanto, L., Ohyver, DA, Kusumastuti, SY, & Masri, M. (2025). Financial Literacy: Theory and Implementation. PT. Sonpedia Publishing Indonesia.
Kumar, P., Pillai, R., Kumar, N., & Tabash, M.I. (2023). The Interplay Of Skills, Digital Financial Literacy, Capability, And Autonomy In Financial Decision Making And Well-Being. Borsa Istanbul Review, 23(1), 169–183.
Lone, U. M., & Bhat, S. A. (2024). Impact Of Financial Literacy On Financial Well-Being: A Mediational Role Of Financial Self-Efficacy. Journal Of Financial Services Marketing, 29(1), 122–137. https://Doi.Org/10.1057/S41264-022-00183-8
Lusardi, A., & Messy, F.-A. (2023). The Importance Of Financial Literacy And Its Impact On Financial Wellbeing. Journal Of Financial Literacy And Wellbeing, 1(1), 1–11.
Machiz, I.M. (2023). The Relationship Between Financial Education And Downstream Financial Health. Kansas State University.
Maulidah, H., Krisdiyawati, K., & Utami, EUS (2022). The Role of Financial Technology Based on Digital Payment System E-Wallet in Improving Financial Literacy. Owner: Research and Accounting Journal, 6(4), 3324–3332.
Mossie, W.A. (2022). Understanding Financial Inclusion In Ethiopia. Cogent Economics & Finance, 10(1), 2071385.
Nawabi, J. (2024). Why States Matter In Economic Development: The Socioeconomic Origins Of Strong Institutions. Routledge.
Ningrum, EP, Sumarno, M., Nursyamsi, SE, & Siregar, N. (2024). Factors Related to Economic Inequality and Well being. PRIVE: Journal of Accounting and Financial Research, 7(2), 116–126.
Pellu, A. (2024). Improving Financial Access: Encouraging Inclusive Economic Growth. Currency (Journal of Islamic Economics and Banking), 2(2), 279–295.
Perdana, MAC (2024). Building a Local Economy Based on MSMEs. PT. Sonpedia Publishing Indonesia.
Prameswari, S., Nugroho, M., & Pristiana, U. (2023). The Influence of Financial Literacy, Financial Awareness, Income on Financial Well-being with Financial Behavior and Financial Inclusion. IMWI Repository Horizon, 6(1), 505–516.
Prestianawati, SA, Akmal, AK, Muhammad Fawwaz, SE, Viphindrartin, S., Rasli, A., Zainuri, MS, & Muslih, MAH (2025). Institutional economics and its implications on development. PT. Rajagrafindo Persada-Rajawali Pers.
Prete, A. Lo. (2022). Digital And Financial Literacy As Determinants Of Digital Payments And Personal Finance. Economics Letters, 213, 110378.
Prihatni, R., Baroto, Y., Simbolon, HO, Amalia, D., Meirsha, IDMT, Azis, SA, & Sastraatmadja, AHM (2024). Analysis of Financial Literacy and Financial Inclusion in Indonesia: Strategies to Improve Public Financial Well being. Widina Publisher.
Rahman, M., Isa, CR, Masud, MM, Sarker, M., & Chowdhury, NT (2021). The Role Of Financial Behavior, Financial Literacy, And Financial Stress In Explaining The Financial Well-Being Of B40 Group In Malaysia. Future Business Journal, 7(1), 52.
Rahmawati, MP, & Rasyid, R. (2025). The Influence Of Financial Literacy On The Financial Well-Being Of Fishermen With Financial Inclusion As A Mediating Variable In Pasie Nan Tigo Fisherman Village, Padang City. Journal of Transnational Universal Studies, 3(2), 79–90.
Rela, IZ, Aldin, M., Sari, MN, Lasinta, M., Halid, RM, Kumoro, DT, Rachman, RM, Jayadisastra, Y., Bonok, Z., & Naibaho, R. (2025). Digital Technology in Empowering the Creative Economy. MEGA PRESS NUSANTARA.
Rofiullah, AH (2025). Sharia Economic Development from the Perspective of Maqashid Syariah in the Digital Economy Era. SAUJANA: Journal of Sharia Banking and Sharia Economics, 7(2), 24–43.
Sastrawan, B., Samsi, A., & Seran, GG (2024). Government Services in the Field of Public Well being. Karimah Tauhid, 3(1), 473–479.
Setyawan, AA, Desembrianita, E., Santoso, MH, & Kalalo, RR (2025). Community Empowerment in Increasing Local Economic Independence: Research. Journal of Community Service and Educational Research, 4(1), 1494–1503.
