The nexus of digital financial inclusion, digital financial literacy and demographic factors: lesson from Indonesia

Autor:	Umi Widyastuti, Dwi Kismayanti Respati, Vera Intanie Dewi, Abdul Mukti Soma
Jazyk:	angličtina
Rok vydání:	2024
Předmět:	Digital financial inclusion digital financial literacy demographic factors binary logistic regression Wright Len Tiu De Montfort University Faculty of Business and Law United Kingdom Asian Studies Business HF5001-6182 Management. Industrial management HD28-70
Zdroj:	Cogent Business & Management, Vol 11, Iss 1 (2024)
Druh dokumentu:	article
ISSN:	23311975 2331-1975
DOI:	10.1080/23311975.2024.2322778
Popis:	AbstractThis study aims to answer the impact of digital financial literacy (DFL) and the demographic factors on digital financial inclusion (DFI). This model employed the independent variables that consist of digital financial literacy and demographic factors including gender, age, occupation, marital status, income. By applying purposive sampling, this study collected the data from 160 households who have minimum one banks’ accounts. To answer the research hypotheses, this study analyzed the data using binary logistic regression that categorized sample into DFI or otherwise. Based on the model fit test, the findings showed that DFL and demographic factors affect DFI. The effect of gender and marital status showed an insignificant effect on DFI. Conversely, DFL and other demographic factors including age, income, occupation significantly explain DFI in Indonesian household. The model can predict 84.4% respondents in a correct classification as DFI or otherwise.
Databáze:	Directory of Open Access Journals
Externí odkaz:	https://doaj.org/article/bcdeeef545814de299eee3234a3ee55b Zobrazit plný text záznamu View record in DOAJ Plný text ve formátu PDF