id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ijtc-572	Martini, Martini; Triharyati, Eri ; Rimbano, Dheo	Influence Financial Technology, Financial Literacy, and Intellectual capital on financial inclusion in Micro, Small and Medium Enterprises (MSMEs)	2022	13	.pdf	application/pdf	5096	287	34	Framework of thinking Figure 1 Thinking frame Hypothesis Based on the framework of thinking, the following hypotheses can be presented: H1 : Financial Technology effect on financial inclusion in Micro, Small and Medium Enterprises (MSMEs) H2 : Financial literacy affects financial inclusion in Micro, Small and Medium Enterprises (MSMEs) Influence Financial Technology, Financial Literacy, and Intellectual capital on financial inclusion in Micro, Small and Medium Enterprises (MSMEs) Martini, Triharyati, and Rimbano 412 | Ilomata International Journal of Tax & Accounting https://www.ilomata.org/index.php/ijtc H3 : Intellectual capital affects financial inclusion in Micro, Small and Medium Enterprises (MSMEs) In addition, financial financial literacy is knowledge to manage finances ( financial literacy is money management knowledge ), indicators in financial literacy are (Ulfatun et al., 2016): Influence Financial Technology, Financial Literacy, and Intellectual capital on financial inclusion in Micro, Small and Medium Enterprises (MSMEs) Martini, Triharyati, and Rimbano 411 | Ilomata International Journal of Tax & Accounting https://www.ilomata.org/index.php/ijtc 1.	cache/ijtc-572.pdf	txt/ijtc-572.txt