Analysis Of The Effect Of Cct, Financial Literature And Financial Technology On Financial Inclusion In Banyumas District (Study on Conditional Cash Transfers Beneficiary family in Banyumas Regency)

The government makes a non-cash social assistance program targeting poor and low-income families. In this social assistance program, the distribution is done in a non-cash manner. This is part of the ways contained in the National Strategy for Financial Inclusion. This study aims to determine how much influence the distribution of social assistance has on financial inclusion in Banyumas Regency and the welfare of beneficiary families. Based on the results of the National Financial Literacy and Inclusion survey conducted in 2019 by the Financial Services Authority, the level of financial inclusion in Banyumas Regency reached 83.60% based on urban area strata. The research was conducted by collecting primary data from questionnaires filled out by beneficiary families and secondary data obtained from the Central Statistics Agency and the Financial Services Authority of Banyumas Regency and using an analytical tool with a quantitative approach to beneficiary families in using the services of formal financial institutions. The distribution of assistance is carried out using a social welfare card through e-warong, each KPM receives a savings account and a KKS. Non-cash social assistance distributed through KKS is part of the government's way of introducing formal financial institution services. The KKS can accommodate various social assistance from the government, including the Family Hope Program, Non-Cash Food Assistance, extreme assistance.