Pengaruh Faktor Sosial Ekonomi dan Literasi Keuangan terhadap Aksesibilitas Petani Pada Lembaga Keuangan (Studi Kasus : Desa Perpanden, Kecamatan Kutalimbaru, Kabupaten Deli Serdang)

Abstract

Guidance by Bapak Dr. Ir. Sinar Indra Kesuma, M.Si. as a Chair of the Advisory Commission and Ibu Dr. Sri Fajar Ayu S.P., M.M. as a member of the Advisory Commission. The purpose of this study is to analyze the financial access of farmers in the village to financial institutions, to analyze the level of financial literacy of farmers in Desa Perpanden and to analyze socio-economic factors and financial literacy on the accessibility of financial institutions in Desa Perpanden, Kecamatan Kutalimbaru, Kabupaten Deli Serdang. The selection of research sites done purposively. The samples in this research are 43 respondents. The method used is descriptive analysis to describe the access of respondents' farms to financial institutions, index analysis method to determine the level of financial literacy of respondents, and SEM-PLS analysis which was completed by using the Smart-PLS 3 application to see the value of the influence of socio-economic factors and finan cial literacy on accessibility financial institutions. The results of the study concluded that out of 43 farmer respondents in Desa Perpanden, there were 13 farmer respondents (30.24%) who did not access financial services. Meanwhile, 30 other farmers (69.76%) are classified as able to access financial services. The results of calculating the level of financial literacy show that the majority of farmers have a literacy level of 60,01 – 80,00% (High), namely (46.67%) of respondents who access financial services, and (69.23%) of respondents who do not access financial services . Then the results of the study using SmartPLS, the socio-economic factor variable (X1) does not have a significant effect on the accessibility of financial institutions (Y), but it has a positive value, means that socio-economic factors can influence but not too significantly on the accessibility of financial institutions. Meanwhile, the financial literacy variable (X2) is acceptable and has a significant effect on the accessibility of financial institutions (Y).