Peran Fintech Lending dan Literasi Keuangan dalam Inklusi Keuangan Mahasiswa di Era Digital

Abstract

This study aims to analyze the influence of fintech lending and financial literacy on students’ financial inclusion in the digital era. The research background highlights the growing use of digital financial services among students, which is not yet matched by adequate financial literacy levels. Using a quantitative approach, a survey was conducted on 150 university students in Pontianak who have experience using digital financial services. Data were analyzed through multiple linear regression using SPSS version 25. The results indicate that both fintech lending and financial literacy have a positive and significant effect on financial inclusion, individually and simultaneously. The adjusted R² value of 0.618 shows that 61.8% of the variation in financial inclusion is explained by these two variables. The study concludes that the combination of financial technology utilization and improved financial literacy plays a crucial role in expanding students’ access to financial services. These findings have implications for universities, regulators, and fintech providers in designing effective policies and sustainable financial education programs.

 Keywords: fintech lending, financial literacy, financial inclusion