Apakah Masyarakat Masih Percaya LPD? Sebuah Studi Empiris
DOI:
https://doi.org/10.31933/dh2qgt70Keywords:
Digitalisasi Layanan, Kepercayaan Masyarakat, Lembaga Perkreditan Desa, Inklusi Keuangan, Kemampuan Pengelolaan Keuangan Pribadi, Pengalaman Keuangan Sebelumnya, Aksesibilitas SpasialAbstract
Kepercayaan masyarakat menjadi faktor penting dalam keberhasilan Lembaga Perkreditan Desa (LPD) di Bali, khususnya di Kabupaten Gianyar, yang memiliki jumlah LPD terbanyak. Kepercayaan ini memengaruhi partisipasi masyarakat dalam layanan keuangan formal dan kerap dipengaruhi oleh literasi keuangan, pengalaman finansial, serta kemampuan pengelolaan keuangan pribadi. Penelitian ini menggunakan pendekatan kuantitatif dengan 170 responden yang dipilih melalui purposive sampling. Data dikumpulkan melalui kuesioner skala Likert lima tingkat dan dianalisis menggunakan PLS-SEM untuk menilai hubungan antarvariabel. Hasil penelitian menunjukkan bahwa Financial Self-Efficacy, Prior Financial Experience, dan Financial Literacy berpengaruh positif signifikan terhadap Inklusi Keuangan dan Kepercayaan Masyarakat pada LPD, dengan Inklusi Keuangan memediasi hubungan tersebut. Temuan ini menekankan pentingnya peningkatan literasi keuangan dan layanan digital untuk memperkuat kepercayaan masyarakat dan mendorong inklusi keuangan yang lebih luas.
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Copyright (c) 2025 Ni Luh Ayu Yuliani, Putu Putri Prawitasari, Gusi putu Lestara Permana, Ketut Tanti Kustina (Author)
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