Interaksi Inklusi Keuangan, Literasi Keuangan dan Perilaku Keuangan Terhadap Ketahanan Keuangan Keluarga Yang Dimediasi Kecerdasan Keuangan Pada Pemilik Usaha Mikro dan Kecil (UMK)

Abstract

This study examines the pathways and interactions of financial inclusion, financial literacy, and financial behavior on household financial resilience, mediated by financial intelligence. This research addresses the emerging urgency stemming from the high non-performing loan (NPL) ratio among microfinance institution clients. Utilizing Structural Equation Modeling – Partial Least Squares (PLS-SEM) with data from Grameen-model microfinance institution clients, all of whom are women, the results of this study indicate that Financial Inclusion significantly affects Resilience. Conversely, Financial Literacy and Financial Behavior show no significant effect.