Peran Fintech Dalam Memediasi Pengaruh Layanan Inklusif Terhadap Pemberdayaan UMKM di PT. BPR Bank Daerah Bojonegoro

Wahjono, Prasto Dwi (2025) Peran Fintech Dalam Memediasi Pengaruh Layanan Inklusif Terhadap Pemberdayaan UMKM di PT. BPR Bank Daerah Bojonegoro. Masters thesis, Universitas Hayam Wuruk Perbanas.

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Abstract

This study aims to analyze the role of fintech in mediating the effect of inclusive financial services on MSME empowerment at PT. BPR Bank Daerah Bojonegoro. A quantitative approach was employed with a sample of 100 MSME respondents selected using quota sampling. Data were collected through questionnaires, interviews, and documentation, and analyzed using multiple linear regression and Sobel tests. The findings indicate that inclusive financial services have a positive and significant effect on MSME empowerment. Inclusive services also positively influence fintech adoption, while fintech significantly enhances MSME empowerment. Moreover, the Sobel test confirms that fintech acts as a mediating variable in the relationship between inclusive services and MSME empowerment. These results enrich the literature on financial inclusion by highlighting the mediating role of fintech as a bridge between traditional services and small business empowerment. In practice, this study recommends that local financial institutions integrate inclusive services with fintech innovations to strengthen MSME empowerment. Keywords: inclusive services, fintech, MSME empowerment, financial inclusion

Item Type: Thesis (Masters)
Subjects: 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 657 - ACCOUNTING > 657.9 - ACCOUNTING-BANK
Divisions: Magister of Management
Depositing User: PRASTO DWI WAHJONO
Date Deposited: 22 Sep 2025 07:27
Last Modified: 22 Sep 2025 07:27
URI: http://eprints.perbanas.ac.id/id/eprint/13812

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