Analysing The Effect of Fintech Microloans to Public Financial Inclusion

This study uses the statistical technique of Structural Equation Modeling (SEM) with SmartPLS as an instrument. Using Google Forms, data from 253 respondents were collected online, but only 231 responses were valid. Respondents are employees from Jakarta, Bogor, Depok, Tangerang, and other cities in Indonesia. This study uses the Purposive Sampling method; Data were collected in May 2025. This study explores the effect of fintech microloans on the public, with particular emphasis on their role in promoting financial inclusion. Through the use of digital platforms, fintech companies have revolutionized traditional micro-lending, offering quick, convenient, and accessible credit to underserved communities. The analysis examines how these services influence individuals' financial behavior, small business growth, and contribute to upward social mobility, while also considering potential risks such as over-indebtedness, data privacy issues, and lack of regulation. By utilizing quantitative approaches to present a comprehensive analysis, this study aims to give data and provide more insight to the public of the potential or challenges associated with the growing use of fintech microloans.