Effectiveness of BRILink service in enhancing financial inclusion and wellbeing in East Nusa Tenggara
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Aug 30, 2024
Keywords:
Effectiveness of BRILink Service, Financial Inclusion, Financial Wellbeing
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Economy
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Abstract
This study examines the relationship between the effectiveness of BRILink services on financial inclusion and financial wellbeing. In addition, we examined the effects of mediation where financial inclusion is treated as a mediator in this model. This study used a specific sampling method known as purposive sampling and a sample size of 101 participants from East Nusa Tenggara Province. The data was collected through a google forms questionnaire from June 24 to July 23, 2024 and distributed online among BRILink users. Analyze the data using the PLS (partial least squares) technique from SmartPLS 3. The results show that the effectiveness of BRILink services has a positive and significant effect on financial inclusion and financial wellbeing. Financial inclusion does not function to mediate the effect of the effectiveness of BRILink services on the financial wellbeing of the community. The implication is that improving the quality of financial services and financial education is more important to improve the financial welfare of the people of NTT than simply expanding access to financial services.
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Situmorang, R. . and Sanga, M. H. . (2024) “Effectiveness of BRILink service in enhancing financial inclusion and wellbeing in East Nusa Tenggara”, Jurnal Mantik, 8(2), pp. 1141-1151. Available at: http://ejournal.iocscience.org/index.php/mantik/article/view/5438 (Accessed: 17April2026).
References
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Anindyntha, F. A., Susilowati, D., & Kurniawati, E. T. (2021). Model pengentasan kemiskinan melalui peran financial inclusion di Indonesia. Jurnal Ekonomi Modernisasi, 17(3). https://doi.org/10.21067/jem.v17i3.5617
Arelsa, K. D., & Sholahuddin, M. (2023). Does the effectiveness of the Fintech platform affect interest in paying infaq and sadaqah? Sebelas Maret Business Review, 8(1). https://doi.org/10.20961/smbr.v8i1.75080
Ayu Az Zahra, D., & Ajija, S. R. (2023). The Effect of Financial Inclusion on Inclusive Economic Growth in Indonesia. Jurnal Ilmu Ekonomi Terapan, 8(1). https://doi.org/10.20473/jiet.v8i1.45426
Ben Naceur, S., Beck, T., Belhaj, M., & Barajas, A. (2020). Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn? IMF Working Papers, 2020(157). https://doi.org/10.5089/9781513553009.001
Bire, A. R., Sauw, H. M., & Maria, -. (2019). The effect of financial literacy towards financial inclusion through financial training. International Journal of Social Sciences and Humanities, 3(1). https://doi.org/10.29332/ijssh.v3n1.280
Carrión, G. C., Nitzl, C., & Roldán, J. L. (2017). Mediation analyses in partial least squares structural equation modeling: Guidelines and empirical examples. In Partial Least Squares Path Modeling: Basic Concepts, Methodological Issues and Applications. https://doi.org/10.1007/978-3-319-64069-3_8
Damayanti, D., Putro, N. P., & Riauwanto, S. (2022). Pengaruh Kualitas Layanan Laku Pandai (BRILink) terhadap Kepuasan Nasabah dalam Bertransaksi Keuangan. Jurnal Riset Akuntansi Dan Bisnis Indonesia, 2(2). https://doi.org/10.32477/jrabi.v2i2.483
Demirgüç-Kunt, A., & Klapper, L. (2013). Measuring financial inclusion: Explaining variation in use of financial services across and within countries. Brookings Papers on Economic Activity, SPRING 2013. https://doi.org/10.1353/eca.2013.0002
Erlando, A., Riyanto, F. D., & Masakazu, S. (2020). Financial inclusion, economic growth, and poverty alleviation: evidence from eastern Indonesia. Heliyon, 6(10). https://doi.org/10.1016/j.heliyon.2020.e05235
Et.al, A. K. (2021). The SmartPLS Analyzes Approach in Validity and Reliability of Graduate Marketability Instrument. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(3). https://doi.org/10.17762/turcomat.v12i3.791
Firmansyah, F., Sugiat, M., & Yunita, I. (2023). The Impact of Service Quality, Customer Satisfaction, and Trust on Customer Loyalty among BRILink Agents in North Sumatra. International Journal of Science, Technology & Management, 4(5). https://doi.org/10.46729/ijstm.v4i5.957
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Evaluation of Reflective Measurement Models. https://doi.org/10.1007/978-3-030-80519-7_4
Hatuluayo, N. (2023). Pengaruh Sistem Transaksi Keuangan BRILink terhadap Kepuasan Pelanggan. MANTAP: Journal of Management Accounting, Tax and Production, 1(1). https://doi.org/10.57235/mantap.v1i1.1198
Indrianto, D. A., & Kasim, A. (2023). Pengaruh Kualitas Layanan terhadap Kepuasan Nasabah Agen BRILink Moh Arifin di Kelurahan Alak, Kota Kupang. Jurnal Bisnis & Manajemen, 15(1), 201–215.
Ismail, M. (2021). The direct effect of commercial banks on poverty reduction: evidence from provinces in Indonesia. Applied Economics, 53(56). https://doi.org/10.1080/00036846.2021.1946474
Kaiin, L. B. P., Naiborhu, P. Y. P., Sari, R., & Wijaya, L. (2022). Sustainability at Branchless Banking Service. 2022 5th International Seminar on Research of Information Technology and Intelligent Systems, ISRITI 2022. https://doi.org/10.1109/ISRITI56927.2022.10053082
Kumar, J., Rani, V., Rani, G., & Sarker, T. (2023). Determinants of the financial wellbeing of individuals in an emerging economy: an empirical study. International Journal of Bank Marketing, 41(4). https://doi.org/10.1108/IJBM-10-2022-0475
Mardiansyah, M., & Nasution, B. O. (2022). Implementasi Program BRILink guna Peningkatan Pelayanan Publik. Ajudan: Jurnal Diseminasi Kajian Ilmu Administrasi Negara, 1(1). https://doi.org/10.30743/jdkan.v1i1.6244
Martin, K. D., & Hill, R. P. (2015). Saving and Well-Being at the Base of the Pyramid: Implications for Transformative Financial Services Delivery. Journal of Service Research, 18(3). https://doi.org/10.1177/1094670514563496
Mathory, E., & AR, H. (2022). BRI E-Banking Services Quality Analysis in BRI Panakkukang Branch During Covid-19 Pandemic. https://doi.org/10.4108/eai.15-9-2021.2315211
Muir, K., Hamilton, M., Noone, J. H., Marjolin, A., Salignac, F., & Saunders, P. (2017). Exploring Financial Wellbeing in the Australian Context. Centre for Social Impact & Social Policy Research Centre - University of New South Wales Sydney, for Financial Literacy Australia.
Muliadi, S. (2022). BRILink: Impact on Economic Welfare During the Covid-19 Pandemic in Praya Barat. Innovation Business Management and Accounting Journal, 1(2). https://doi.org/10.56070/ibmaj.v1i2.9
Nino, I. J., Setyorini, T., & Kabu, E. (2022). Household Financial Management in Phenomenology Perspective: A Case Study on a Fisherman Family in Kupang City. Proceedings of the International Conference on Applied Science and Technology on Social Science 2021 (ICAST-SS 2021), 647. https://doi.org/10.2991/assehr.k.220301.108
Nuryan, I., Maulina, E., & Chan, A. (2020). The Impact of BRILINK Agent Market Penetration on Inclusive Financial Growth in Indonesia. Review of Integrative Business and Economics Research, 9(3).
Purwanto, A., & Sudargini, Y. (2021). Partial Least Squares Structural Squation Modeling (PLS-SEM) Analysis for Social and Management Research?: A Literature Review. Journal of Industrial Engineering & Management Research, 2(4).
Putra, R. E., Putera, R. E., & Aromatica, D. (2023). Peran Agen BRILink sebagai Program Kebijakan Inklusi Keuangan. Jurnal Kebijakan Publik, 14(1). https://doi.org/10.31258/jkp.v14i1.8122
Rashid, S., Bowra, Z. A., & Hussain, A. (2022). An Empirical Investigation of Financial Inclusion on Financial Wellbeing of Working Women: A Mediating Role of Financial Capability. Bulletin of Business and Economics, 11(1).
Redentus Natalis Jelahut, Nikson Tameno, & Maria I. H. Tiwu. (2023). Brilink User Satisfaction Analysis in Kupang City. Formosa Journal of Sustainable Research, 2(11). https://doi.org/10.55927/fjsr.v2i11.6929
Ridzwan, M., Purwanti, I., & Wicaksono, A. Y. (2021). Pengaruh Kualitas Pelayanan dan Harga Terhadap Keputusan Bertransaksi (Studi Kasus pada Agen BRILink BRI Unit Sidayu, Gresik). Jurnal Media Komunikasi Ilmu Ekonomi, 37(1).
Rumahorbo, O. S., Suhadak, Solimun, & Hidayat, K. (2022). The improvement of firm performance and sustainability: militancy, customer focus, and bank agent experience as a moderating agent. International Journal of Business Innovation and Research, 28(4). https://doi.org/10.1504/ijbir.2022.124913
Situmorang, R., Suharto, R. S. B., Sanga, M. H., & Mata, R. (2023). Fiscal Decentralization, Human Development Index, and Infrastructure Toward Poverty in the East Nusa Tenggara Province. https://doi.org/10.2991/978-2-38476-202-6_59
Suanjayani, N. K., & Yuliantari, I. G. A. E. (2023). Strategi Pemasaran BRI Dalam Memasarkan Layanan Keuangan Melalui Produk Layanan Keagenan BRILINK. BERNAS: Jurnal Pengabdian Kepada Masyarakat, 4(4).
Takona, J. P. (2024). Research design: qualitative, quantitative, and mixed methods approaches / sixth edition. In Quality and Quantity (Vol. 58, Issue 1). https://doi.org/10.1007/s11135-023-01798-2
Taufiq, N., & Suyasa, I. M. G. (2023). Apakah Peningkatan Inklusi Keuangan Relevan dengan Penghapusan Kemiskinan Ekstrem di Indonesia? Salus Cultura: Jurnal Pembangunan Manusia Dan Kebudayaan, 3(2). https://doi.org/10.55480/saluscultura.v3i2.120
Utomo, A. N. (2017). Analisa Kebutuhan Sistem Host-to-Host untuk Collection Agent Aggregator (CAA) pada Kerjasama BRILink Bank BRI (Sebuah Rekayasa Fintech). Jurnal Rekayasa Informasi, 6(1).
van der Cruijsen, C., de Haan, J., & Roerink, R. (2021). Financial knowledge and trust in financial institutions. Journal of Consumer Affairs, 55(2). https://doi.org/10.1111/joca.12363
Yulianti, D., & Suwiryo, D. H. (2022). Analisis Bagi Hasil BRILink dan Jenis Perjanjian BRILink dalam Mekanisme Layanan Keuangan tanpa Kantor (Studi kasus di Desa Sukasari dan Desa Gandasari Kecamatan Kadupandak). Jurnal Akuntansi Kompetif, 5(3). https://doi.org/10.35446/akuntansikompetif.v5i3.1006
Akter, S., Fosso Wamba, S., & Dewan, S. (2017). Why PLS-SEM is suitable for complex modelling? An empirical illustration in big data analytics quality. Production Planning and Control, 28(11–12). https://doi.org/10.1080/09537287.2016.1267411
Anindyntha, F. A., Susilowati, D., & Kurniawati, E. T. (2021). Model pengentasan kemiskinan melalui peran financial inclusion di Indonesia. Jurnal Ekonomi Modernisasi, 17(3). https://doi.org/10.21067/jem.v17i3.5617
Arelsa, K. D., & Sholahuddin, M. (2023). Does the effectiveness of the Fintech platform affect interest in paying infaq and sadaqah? Sebelas Maret Business Review, 8(1). https://doi.org/10.20961/smbr.v8i1.75080
Ayu Az Zahra, D., & Ajija, S. R. (2023). The Effect of Financial Inclusion on Inclusive Economic Growth in Indonesia. Jurnal Ilmu Ekonomi Terapan, 8(1). https://doi.org/10.20473/jiet.v8i1.45426
Ben Naceur, S., Beck, T., Belhaj, M., & Barajas, A. (2020). Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn? IMF Working Papers, 2020(157). https://doi.org/10.5089/9781513553009.001
Bire, A. R., Sauw, H. M., & Maria, -. (2019). The effect of financial literacy towards financial inclusion through financial training. International Journal of Social Sciences and Humanities, 3(1). https://doi.org/10.29332/ijssh.v3n1.280
Carrión, G. C., Nitzl, C., & Roldán, J. L. (2017). Mediation analyses in partial least squares structural equation modeling: Guidelines and empirical examples. In Partial Least Squares Path Modeling: Basic Concepts, Methodological Issues and Applications. https://doi.org/10.1007/978-3-319-64069-3_8
Damayanti, D., Putro, N. P., & Riauwanto, S. (2022). Pengaruh Kualitas Layanan Laku Pandai (BRILink) terhadap Kepuasan Nasabah dalam Bertransaksi Keuangan. Jurnal Riset Akuntansi Dan Bisnis Indonesia, 2(2). https://doi.org/10.32477/jrabi.v2i2.483
Demirgüç-Kunt, A., & Klapper, L. (2013). Measuring financial inclusion: Explaining variation in use of financial services across and within countries. Brookings Papers on Economic Activity, SPRING 2013. https://doi.org/10.1353/eca.2013.0002
Erlando, A., Riyanto, F. D., & Masakazu, S. (2020). Financial inclusion, economic growth, and poverty alleviation: evidence from eastern Indonesia. Heliyon, 6(10). https://doi.org/10.1016/j.heliyon.2020.e05235
Et.al, A. K. (2021). The SmartPLS Analyzes Approach in Validity and Reliability of Graduate Marketability Instrument. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(3). https://doi.org/10.17762/turcomat.v12i3.791
Firmansyah, F., Sugiat, M., & Yunita, I. (2023). The Impact of Service Quality, Customer Satisfaction, and Trust on Customer Loyalty among BRILink Agents in North Sumatra. International Journal of Science, Technology & Management, 4(5). https://doi.org/10.46729/ijstm.v4i5.957
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Evaluation of Reflective Measurement Models. https://doi.org/10.1007/978-3-030-80519-7_4
Hatuluayo, N. (2023). Pengaruh Sistem Transaksi Keuangan BRILink terhadap Kepuasan Pelanggan. MANTAP: Journal of Management Accounting, Tax and Production, 1(1). https://doi.org/10.57235/mantap.v1i1.1198
Indrianto, D. A., & Kasim, A. (2023). Pengaruh Kualitas Layanan terhadap Kepuasan Nasabah Agen BRILink Moh Arifin di Kelurahan Alak, Kota Kupang. Jurnal Bisnis & Manajemen, 15(1), 201–215.
Ismail, M. (2021). The direct effect of commercial banks on poverty reduction: evidence from provinces in Indonesia. Applied Economics, 53(56). https://doi.org/10.1080/00036846.2021.1946474
Kaiin, L. B. P., Naiborhu, P. Y. P., Sari, R., & Wijaya, L. (2022). Sustainability at Branchless Banking Service. 2022 5th International Seminar on Research of Information Technology and Intelligent Systems, ISRITI 2022. https://doi.org/10.1109/ISRITI56927.2022.10053082
Kumar, J., Rani, V., Rani, G., & Sarker, T. (2023). Determinants of the financial wellbeing of individuals in an emerging economy: an empirical study. International Journal of Bank Marketing, 41(4). https://doi.org/10.1108/IJBM-10-2022-0475
Mardiansyah, M., & Nasution, B. O. (2022). Implementasi Program BRILink guna Peningkatan Pelayanan Publik. Ajudan: Jurnal Diseminasi Kajian Ilmu Administrasi Negara, 1(1). https://doi.org/10.30743/jdkan.v1i1.6244
Martin, K. D., & Hill, R. P. (2015). Saving and Well-Being at the Base of the Pyramid: Implications for Transformative Financial Services Delivery. Journal of Service Research, 18(3). https://doi.org/10.1177/1094670514563496
Mathory, E., & AR, H. (2022). BRI E-Banking Services Quality Analysis in BRI Panakkukang Branch During Covid-19 Pandemic. https://doi.org/10.4108/eai.15-9-2021.2315211
Muir, K., Hamilton, M., Noone, J. H., Marjolin, A., Salignac, F., & Saunders, P. (2017). Exploring Financial Wellbeing in the Australian Context. Centre for Social Impact & Social Policy Research Centre - University of New South Wales Sydney, for Financial Literacy Australia.
Muliadi, S. (2022). BRILink: Impact on Economic Welfare During the Covid-19 Pandemic in Praya Barat. Innovation Business Management and Accounting Journal, 1(2). https://doi.org/10.56070/ibmaj.v1i2.9
Nino, I. J., Setyorini, T., & Kabu, E. (2022). Household Financial Management in Phenomenology Perspective: A Case Study on a Fisherman Family in Kupang City. Proceedings of the International Conference on Applied Science and Technology on Social Science 2021 (ICAST-SS 2021), 647. https://doi.org/10.2991/assehr.k.220301.108
Nuryan, I., Maulina, E., & Chan, A. (2020). The Impact of BRILINK Agent Market Penetration on Inclusive Financial Growth in Indonesia. Review of Integrative Business and Economics Research, 9(3).
Purwanto, A., & Sudargini, Y. (2021). Partial Least Squares Structural Squation Modeling (PLS-SEM) Analysis for Social and Management Research?: A Literature Review. Journal of Industrial Engineering & Management Research, 2(4).
Putra, R. E., Putera, R. E., & Aromatica, D. (2023). Peran Agen BRILink sebagai Program Kebijakan Inklusi Keuangan. Jurnal Kebijakan Publik, 14(1). https://doi.org/10.31258/jkp.v14i1.8122
Rashid, S., Bowra, Z. A., & Hussain, A. (2022). An Empirical Investigation of Financial Inclusion on Financial Wellbeing of Working Women: A Mediating Role of Financial Capability. Bulletin of Business and Economics, 11(1).
Redentus Natalis Jelahut, Nikson Tameno, & Maria I. H. Tiwu. (2023). Brilink User Satisfaction Analysis in Kupang City. Formosa Journal of Sustainable Research, 2(11). https://doi.org/10.55927/fjsr.v2i11.6929
Ridzwan, M., Purwanti, I., & Wicaksono, A. Y. (2021). Pengaruh Kualitas Pelayanan dan Harga Terhadap Keputusan Bertransaksi (Studi Kasus pada Agen BRILink BRI Unit Sidayu, Gresik). Jurnal Media Komunikasi Ilmu Ekonomi, 37(1).
Rumahorbo, O. S., Suhadak, Solimun, & Hidayat, K. (2022). The improvement of firm performance and sustainability: militancy, customer focus, and bank agent experience as a moderating agent. International Journal of Business Innovation and Research, 28(4). https://doi.org/10.1504/ijbir.2022.124913
Situmorang, R., Suharto, R. S. B., Sanga, M. H., & Mata, R. (2023). Fiscal Decentralization, Human Development Index, and Infrastructure Toward Poverty in the East Nusa Tenggara Province. https://doi.org/10.2991/978-2-38476-202-6_59
Suanjayani, N. K., & Yuliantari, I. G. A. E. (2023). Strategi Pemasaran BRI Dalam Memasarkan Layanan Keuangan Melalui Produk Layanan Keagenan BRILINK. BERNAS: Jurnal Pengabdian Kepada Masyarakat, 4(4).
Takona, J. P. (2024). Research design: qualitative, quantitative, and mixed methods approaches / sixth edition. In Quality and Quantity (Vol. 58, Issue 1). https://doi.org/10.1007/s11135-023-01798-2
Taufiq, N., & Suyasa, I. M. G. (2023). Apakah Peningkatan Inklusi Keuangan Relevan dengan Penghapusan Kemiskinan Ekstrem di Indonesia? Salus Cultura: Jurnal Pembangunan Manusia Dan Kebudayaan, 3(2). https://doi.org/10.55480/saluscultura.v3i2.120
Utomo, A. N. (2017). Analisa Kebutuhan Sistem Host-to-Host untuk Collection Agent Aggregator (CAA) pada Kerjasama BRILink Bank BRI (Sebuah Rekayasa Fintech). Jurnal Rekayasa Informasi, 6(1).
van der Cruijsen, C., de Haan, J., & Roerink, R. (2021). Financial knowledge and trust in financial institutions. Journal of Consumer Affairs, 55(2). https://doi.org/10.1111/joca.12363
Yulianti, D., & Suwiryo, D. H. (2022). Analisis Bagi Hasil BRILink dan Jenis Perjanjian BRILink dalam Mekanisme Layanan Keuangan tanpa Kantor (Studi kasus di Desa Sukasari dan Desa Gandasari Kecamatan Kadupandak). Jurnal Akuntansi Kompetif, 5(3). https://doi.org/10.35446/akuntansikompetif.v5i3.1006
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