The Influence of Financial Literacy and Financial Technology on Financial Inclusion Among Muhammadiyah Palopo University Students

Abstract

Low financial knowledge and ability to manage finances will have an impact on low levels of demand for financial products and services. This research aims to determine the influence of financial literacy and financial technology on financial inclusion among Muhammadiyah Palopo University students. The data used in this research is primary data which was distributed to 242 Muhammadiyah Palopo University students via Google form. Data analysis used multiple linear regression analysis with the help of the SPSS program. The research results show that financial literacy has a positive and significant effect on financial inclusion and financial technology has a positive and significant effect on financial inclusion. Financial literacy and financial technology simultaneously or together influence financial inclusion.