Proceedings of the 5th International Conference on Tourism, Economics, Accounting, Management and Social Science (TEAMS 2020)

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E-Link Service Synergity, Perceived Risk Management, and Tri Hita Karana in LPD in Driving Financial Inclusion

Authors
Sunitha Devi, Putu Riesty Masdiantini, Putu Eka Dianita Marvilianti Dewi, Ida Bagus Raminra Padma Diputra
Corresponding Author
Sunitha Devi
Available Online 14 December 2020.
DOI
10.2991/aebmr.k.201212.033How to use a DOI?
Keywords
E-Link, Risk, THK, Financial Inclusion
Abstract

Based on the results of the OJK survey in 2019, the financial inclusion index for urban communities was 83.60%, while the financial inclusion index for rural communities was 68.49%. The significant imbalance between the financial inclusion index of urban communities and rural communities has led to the importance of a financial service that can expand financial access for rural communities. Therefore this research was conducted to obtain empirical evidence regarding the impact of synergy between e-Link services, perceived risk management, and THK implementation on financial inclusion in rural communities. Data collection using a quantitative approach was carried out by distributing questionnaires. The study population was all LPD customers in Bangli Regency with a sample size of 258 people. Data analysis of the quantitative approach was carried out using multiple linear regression models. The results showed that E-Link service, perceived risk management, and THK implementation had a positive effect on financial inclusion. The results of this study are expected to be used as a guideline especially for the LPD as a village financial institution to maximize its role in increasing the financial inclusion of rural communities which in turn can contribute to improving the welfare of the community.

Copyright
© 2020, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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Volume Title
Proceedings of the 5th International Conference on Tourism, Economics, Accounting, Management and Social Science (TEAMS 2020)
Series
Advances in Economics, Business and Management Research
Publication Date
14 December 2020
ISBN
10.2991/aebmr.k.201212.033
ISSN
2352-5428
DOI
10.2991/aebmr.k.201212.033How to use a DOI?
Copyright
© 2020, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Cite this article

risenwbib
TY  - CONF
AU  - Sunitha Devi
AU  - Putu Riesty Masdiantini
AU  - Putu Eka Dianita Marvilianti Dewi
AU  - Ida Bagus Raminra Padma Diputra
PY  - 2020
DA  - 2020/12/14
TI  - E-Link Service Synergity, Perceived Risk Management, and Tri Hita Karana in LPD in Driving Financial Inclusion
BT  - Proceedings of the 5th International Conference on Tourism, Economics, Accounting, Management and Social Science (TEAMS 2020)
PB  - Atlantis Press
SP  - 239
EP  - 246
SN  - 2352-5428
UR  - https://doi.org/10.2991/aebmr.k.201212.033
DO  - 10.2991/aebmr.k.201212.033
ID  - Devi2020
ER  -