ANALISIS FAKTOR SOSIAL DEMOGRAFIS KEPALA RUMAH TANGGA SEBAGAI PREDIKTOR PENGGUNAAN FINTECH LENDING DI INDONESIA: STUDI KASUS DATA SUSENAS

Authors

  • Selamet Fuadi Universitas Muhammadiyah Metro
  • Muhammad Ridho Al Amin Universitas Muhammadiyah Metro
  • Muhammad Anif Afandi Universitas Muhammadiyah Metro
  • Nafa Wulan Ramadani Universitas Muhammadiyah Metro
  • Alvit Rotul Aulia Universitas Muhammadiyah Metro

DOI:

https://doi.org/10.24127/jm.v20i1.2923

Abstract

Perkembangan fintech lending sebagai bagian dari inovasi keuangan digital telah mengubah pola akses pembiayaan rumah tangga di Indonesia. Namun, pemahaman mengenai faktor-faktor sosial demografis yang memengaruhi penggunaan aktual fintech lending di tingkat rumah tangga masih relatif terbatas. Penelitian ini bertujuan untuk menganalisis peran karakteristik sosial demografis kepala rumah tangga sebagai prediktor penggunaan kredit fintech lending di Indonesia. Penelitian ini menggunakan metode regresi probit untuk mencapai tujuan penelitian yang telah ditetapkan. Tahapan penelitian meliputi pengumpulan data melalui pengajuan data Survei Sosial Ekonomi Nasional (Susenas) kepada Badan Pusat Statistik (BPS) dengan pemilihan variabel yang relevan. Data yang digunakan merupakan Susenas edisi Maret 2023 dengan sampel sebanyak 341.802 kepala rumah tangga yang merepresentasikan 72.891.604 rumah tangga pada populasi nasional melalui penerapan sampling weight. Hasil estimasi menunjukkan bahwa usia kepala rumah tangga, penggunaan internet, dan wilayah tempat tinggal berpengaruh signifikan terhadap probabilitas penggunaan kredit fintech lending, sementara tingkat pendidikan, status pekerjaan, dan kepemilikan usaha tidak menunjukkan pengaruh yang signifikan. Temuan ini mengindikasikan bahwa adopsi aktual fintech lending di Indonesia lebih mencerminkan kesiapan digital dan akses spasial dibandingkan karakteristik sosial ekonomi tradisional. Penelitian ini memiliki urgensi kebijakan dalam mendukung perumusan strategi inklusi keuangan digital yang menekankan perluasan akses internet dan literasi digital, khususnya bagi rumah tangga di wilayah perdesaan dan kelompok usia yang lebih tua.

Kata kunci: Fintech Lending, Regresi Probit, Susenas, Karakteristik Sosial Demografis

References

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Published

2026-04-22

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Vol. 20 No. 1 (2026): April

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Articles

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