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This study formulates a model to examine the impact of financial literacy, financial inclusion, and financial access on welfare through the growth of SMEs in Indonesia. The analysis method used in this research is explanatory research, which aims to explain the position of the variables studied and the relationships between them. The data was collected from 306 SMEs respondents in Indonesia. The data analysis technique employed is Structural Equation Modelling—Partial Least Squares (SEM-PLS). The implications of this study are expected to provide evidence of the influence of financial literacy, financial inclusion, and financial access on growth and welfare. Furthermore, this research will also contribute to highlighting the role of banks in providing financial access and inclusion, which is highly effective in enhancing SMEs growth and welfare.

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Impect of Financial Literacy, Financial Inclusion to SMEs Growth and Welfaer in Indonesia

  • 章节

  • 发表日期：

    2025年

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  • Zulkifli Ikhwan Harahap,
  • Satia Negara Lubis,
  • Erlina,
  • Evawany Yunita Aritonang

摘要

This study formulates a model to examine the impact of financial literacy, financial inclusion, and financial access on welfare through the growth of SMEs in Indonesia. The analysis method used in this research is explanatory research, which aims to explain the position of the variables studied and the relationships between them. The data was collected from 306 SMEs respondents in Indonesia. The data analysis technique employed is Structural Equation Modelling—Partial Least Squares (SEM-PLS). The implications of this study are expected to provide evidence of the influence of financial literacy, financial inclusion, and financial access on growth and welfare. Furthermore, this research will also contribute to highlighting the role of banks in providing financial access and inclusion, which is highly effective in enhancing SMEs growth and welfare.