Repository Universitas TarumanagaraPERAN KEBUDAYAAN TERHADAP INKLUSI KEUANGAN: LITERASI KEUANGAN SEBAGAI VARIABEL MEDIASIMuhammadFauziauthorFinancial inclusion plays a crucial role in sustainable economic development; however, financial exclusion remains a significant challenge, especially among the poor and those in remote areas. Therefore, research on financial inclusion is becoming increasingly important for academics and policymakers. Previous studies have explored the impact of Hofstede’s cultural dimensions on financial inclusion, but significant differences in results exist. This study re-examines the relationship between culture, financial literacy, and financial inclusion, with financial literacy as a mediating variable, using the latest financial data from 35 OECD member countries and their partners in 2022. The 2SLS method shows that individualism positively influences both financial inclusion and financial literacy, while uncertainty avoidance negatively affects financial literacy and financial inclusion, though it is not significant for financial inclusion. Financial literacy is found to mediate the relationship between financial inclusion and individualism. These findings provide valuable insights for policymakers in promoting sustainable financial inclusion, particularly for OECD countries and their partners. Keywords: Financial Inclusion, Culture, Hofstede’s Cultural Dimensions, Individualism, Uncertainty Avoidance, Financial Literacy, OECD Members. Inklusi keuangan berperan penting dalam pembangunan ekonomi berkelanjutan, namun eksklusi keuangan tetap menjadi tantangan, terutama di kalangan masyarakat miskin dan daerah terpencil. Oleh karena itu, penelitian mengenai inklusi keuangan menjadi semakin penting bagi akademisi dan pembuat kebijakan. Studi sebelumnya telah mengeksplorasi pengaruh dimensi kebudayaan Hofstede terhadap inklusi keuangan, namun terdapat perbedaan hasil yang signifikan. Penelitian ini menganalisis kembali hubungan antara kebudayaan, literasi keuangan, dan inklusi keuangan, dengan literasi keuangan sebagai variabel mediasi, menggunakan data keuangan terbaru dari 35 negara anggota OECD dan mitranya pada tahun 2022. Metode 2SLS menunjukkan bahwa individualisme berpengaruh positif terhadap inklusi dan literasi keuangan, sementara uncertainty avoidance berpengaruh negatif terhadap literasi keuangan dan inklusi keuangan, meskipun tidak signifikan untuk inklusi keuangan. Literasi keuangan hanya memediasi hubungan antara inklusi keuangan dan individualisme. Hasil ini memberikan wawasan penting bagi pembuat kebijakan dalam mendukung inklusi keuangan berkelanjutan terutama bagi negara OECD dan mitranya. Kata kunci : Inklusi Keuangan, Kebudayaan, Dimensi Budaya Hofstede, Individualism, Uncertainty avoidance, Literasi keuangan, anggota OECD.Skripsi/Tugas AkhirFakultas Ekonomi2024Universitas Tarumanagara;Fakultas EkonomiThesis

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