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Journal articles on the topic 'Sharia Financial Literacy'

Author: Grafiati
Published: 7 June 2025
Last updated: 2 August 2025

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1

Ramdhani, F. B., M. Y. Ibrahim, M. F. Bin Masruhen, and N. Fhadiyah. "Pengaruh Literasi Keuangan Syariah terhadap Perilaku Keuangan Masyarakat Binaan Pondok Pesantren Daarut Tauhid Kabupaten Bogor." Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah 14, no. 02 (2022): 80–101. http://dx.doi.org/10.59833/altasyree.v14i02.978.

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The issue of sharia financial literacy is closely related to one's ability to know and understand Islamic financial products and services based on sharia principles. The purpose of sharia financial literacy is expected not only to know and understand sharia financial services institutions and sharia financial products and services but also how to be able to change and improve people's behavior in sharia financial management so as to improve public welfare. This study aims to analyze the level of Shariah financial literacy and the influence of the level of sharia financial literacy on the finan
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Ramdhani, F. B., M. Y. Ibrahim, M. F. Bin Masruhen, and N. Fadhiyah. "Pengaruh Literasi Keuangan Syariah terhadap Perilaku Keuangan Masyarakat Binaan Pondok Pesantren Daarut Tauhid Kabupaten Bogor." Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah 14, no. 02 (2025): 80–101. https://doi.org/10.59833/y56raf81.

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The issue of sharia financial literacy is closely related to one's ability to know and understand Islamic financial products and services based on sharia principles. The purpose of sharia financial literacy is expected not only to know and understand sharia financial services institutions and sharia financial products and services but also how to be able to change and improve people's behavior in sharia financial management so as to improve public welfare. This study aims to analyze the level of Shariah financial literacy and the influence of the level of sharia financial literacy on the finan
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3

Mufidah, Ana, Elok Sri Utami, Novi Puspitasari, and Intan Nurul Awwaliyah. "Sharia financing behavior: The role of regret aversion, sharia financial literacy, and gender." Humanities and Social Sciences Letters 13, no. 3 (2025): 904–15. https://doi.org/10.18488/73.v13i3.4317.

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This research explores and assesses the impact of regret aversion, gender, and Sharia financial literacy on Sharia financing behavior and explores the impact of education and social environment on Sharia financial literacy. The participants are 400 with prior experience in utilizing Sharia financing, selected using the snowball sampling technique. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that Sharia financial literacy, gender, and regret aversion significantly influence Sharia financing behavior. Education does not have a direct
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Azri, Ahmad Danil, Muhammad Rezki, and Muhammad Aji Purwanto. "Pengaruh Literasi Keuangan Syariah Terhadap Keputusan Memilih Asuransi Syariah." Dalwa Islamic Economic Studies 3, no. 1 (2024): 153–69. http://dx.doi.org/10.38073/dies.v3i1.1514.

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This research examines and discusses how sharia financial literacy influences the decision to choose sharia insurance. In today’s modern era, the level of understanding of sharia finance is very important in determining the insurance you want to use and reducing risks that affect financial losses. A good understanding of finances can improve the quality of decision making to achieve prosperity. The aim of this research is to analyze the influenceof sharia financial literacy on the choice of sharia insurance. This research involved a sampel of 48 stundents of the sharia economics study program
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Dedy Sukmana. "Financial Access and Financial Risk Attitudes towards Improving Microenterprise Performance." Journal of Electrical Systems 20, no. 7s (2024): 1187–90. http://dx.doi.org/10.52783/jes.3673.

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Microenterprise sector plays a pivotal role in driving economic growth in developing nations. This research aims to devise a financial literacy strategy that augments the performance of microenterprise customers of Indonesia's Shariah Microbank in DKI Jakarta. Improving the performance of micro businesses is not only the responsibility of Bank Syariah Indonesia but also the responsibility of many parties, namely the role of the government through the establishment of KNEKS and KDEKS which aim to increase sharia financial literacy and need to be supported by associations both the Sharia Economi
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Suman, Agus, Indri Supriani, and Yendi Rio Nurrachman. "Peningkatan Literasi Keuangan Syariah Masyarakat Desa dalam Mencapai Ekonomi Inklusif Menuju Kesejahteraan Masyarakat." Jurnal Pengabdian kepada Masyarakat 11, no. 1 (2024): 112–17. http://dx.doi.org/10.33795/abdimas.v11i1.4285.

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Financial literacy, including sharia financial literacy, is one of the keys to the growth and development of an economy. As the country with the largest Muslim population in the world, Indonesia has great potential to utilize Islamic finance as a support for economic development. Thus, the Indonesian government is encouraging an increase in financial literacy, not only in conventional finance but also in sharia finance. Sharia economic, financial, and banking services in Indonesia have experienced a rapid increase, marked by the number of Sharia banks showing a positive trend. However, more th
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7

Mufidah, Ana, Istifadah Istifadah, and Intan Nurul Awaliyah. "Sharia Financial Literacy In Personal Financial Planning." International Social Sciences and Humanities 1, no. 2 (2022): 198–203. http://dx.doi.org/10.32528/issh.v1i2.174.

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Financial literacy is an important thing that is needed by everyone. This literacy is very necessary when an individual is about to make his personal financial decisions. Where an understanding of financial literacy will help in considering and making financial decisions, according to the conditions of each individual. Limited financial literacy will result in inaccurate financial decision making and lack of financial planning for the future. Limited financial literacy in a person will also lead to undirected spending and can make wrong financial decisions. Which will have an impact on his per
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Wartoyo, Syaeful Bakhri, Mariyah Ulfa, Rizal Wildan Firdau, Siti Nuraeni, and Seli Amelia. "Measuring the Influence of Financial Literation and Inclusion on Investment Interest with Social Background as Moderating Variables." Proceeding of International Conference on Islamic Economics, Islamic Banking, Zakah and Waqf 1 (September 25, 2023): 567–82. http://dx.doi.org/10.24090/ieibzawa.v1i.781.

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The lack of Sharia financial literacy leads to a lack of understanding among the public regarding the potential investment opportunities available in the Sharia financial system, causing them to be reluctant to invest. Furthermore, limited Sharia financial inclusion also hinders the increase in investment interest. Limited access to Sharia financial products and services, such as Sharia banking accounts, sharia insurance or sukuk, makes it difficult for the public to engage in investments that align with Sharia principles. This research aims to measure the influence of Sharia financial literac
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Putri, Heni Rahmani, Muhsin N. Bailusy, and Hartaty Hadady. "Generation Z: Financial Literacy, Sharia Financial Literacy, Attitude, and Behavior." International Journal of Applied Business and International Management 6, no. 3 (2021): 46–55. http://dx.doi.org/10.32535/ijabim.v6i3.1328.

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This study aims to investigate the influence of financial literacy and Sharia financial literacy on financial attitude and behavior. The population in the study were students of Khairun University and IAIN Ternate. A total of 188 respondents were involved and purposively selected as the samples. The study used validity and reliability tests as part of the instrument test. For hypothesis testing, a simple regression analysis was used. The results showed that all hypotheses were supported. The final part of the study discusses findings, conclusions, and suggestions for future research.
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Suhatman, Zaldy, and Sahlan Hasbi. "Pelatihan Literasi Keuangan Syariah Melalui Metode Getok Tular (Word Of Mouth Communication)." Jurnal Loyalitas Sosial: Journal of Community Service in Humanities and Social Sciences 1, no. 2 (2019): 82. http://dx.doi.org/10.32493/jls.v1i2.p82-91.

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Based on the national survey data of the Financial Services Authority, the conventional Financial literacy index in Indonesia reaches 29.1% while the Sharia financial literacy index is only 8.1% or lower than 30 percent conventional financial literacy. This condition shows the lack of public understanding of the product features and activities of sharia finance institutions considering that the terms used are generally a new term for Indonesian society. Since the year 2018 United Cooperative Relatives of Pulo Kambing converted into a Shariah cooperative. But from 33 managers and managers of ac
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Ahmad Fauzi and Abdur Rafik. "The Impact of Sharia Financial Literacy, Religiosity, and Perceived Quality on Investment Decisions on Sharia-Compliant Products." International Journal of Economics and Management Sciences 1, no. 2 (2024): 156–73. http://dx.doi.org/10.61132/ijems.v1i2.56.

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This research examines the influence of sharia financial literacy on investment decisions in sharia financial products, by considering two moderating variables: perceived quality and religiosity. Quantitative methods were used by collecting data through bold questionnaires via Google Form to 190 respondents who understand sharia financial products. Data analysis was conducted using Structural Equation Modeling based on behavioral finance theory. The research results show that there is a positive influence of sharia financial literacy on investment decisions in sharia financial products. Percei
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Mustofa, Ubaedul, Inaya Sari Melati, Muhammad Arrizqunnafi' 'Abdillah, Arizha Farras Raihan, and Ahmad Bukhori. "Increasing Sharia Financial Literacy Through Sharia Financial Training and Assistance for Teachers." Indonesian Journal of Devotion and Empowerment 4, no. 2 (2023): 40–44. http://dx.doi.org/10.15294/ijde.v4i2.66431.

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The Islamic finance industry, in the last ten years, has continued to experience growth. This growth trend is likely to continue considering Indonesia's vast potential. It is coupled with the demographic conditions of Indonesia, where most of the population is Muslim. However, this growth has yet to be maximized, considering that the Islamic banking industry's market share in 2019 was only 5.70%. According to OJK research in 2016, one of the factors for this problem is the low level of Islamic financial literacy in our society, which is only around 8%. So, it is necessary to carry out educatio
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13

Azzahra, Isramiyanti, Salju Salju, and Antong Antong. "Impact of Sharia Financial Literacy on MSME Interest in Using Sharia Financial Products in Palopo." BIMA Journal (Business, Management, & Accounting Journal) 6, no. 1 (2025): 613–26. https://doi.org/10.37638/bima.6.1.613-626.

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Purpose: This study aims to examine the influence of Islamic financial literacy on the interest in using Islamic financial products among Micro, Small, and Medium Enterprises (MSMEs) in Palopo City. Methodology: A quantitative survey approach was employed using purposive sampling. Data were collected from 56 MSME respondents via online questionnaires and analyzed using linear regression with SmartPLS 4. Results: The analysis revealed that Islamic financial literacy—comprising knowledge of Islamic financing, investment, and insurance—has a positive and significant effect on the interest in usin
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Ega Larasati, Suhar, and Nurrahma Sari Putri. "PENGARUH TINGKAT LITERASI KEUANGAN SYARIAH TERHADAP MINAT BERINVESTASI DI GALERI INVESTASI SYARIAH (STUDI KASUS MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UNIVERSITAS ISLAM NEGERI SULTHAN THAHA SAIFUDDIN JAMBI ANGKATAN 2020)." EKSYA : Jurnal Ekonomi Syariah 5, no. 1 (2024): 1–11. http://dx.doi.org/10.56874/eksya.v5i1.1719.

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Syaria financial literacy refers to the definition of financial literacy of the Financial Services Authority, which is a consumer of sharia financial products and services with the aim of knowing and understanding sharia financial service institutions and managing sharia finance so as to increase benefits. The aim of this research is to determine the influence of sharia financial literacy on interest in investing in the sharia investment gallery among students at the Faculty of Economics and Islamic Business, UIN STS Jambi Class of 2020. This research method is descriptive quantitative researc
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15

Dini Selasi, Siska Nurpitasari, and Meli Saputri. "Pengaruh Literasi Keuangan Syariah terhadap Minat Investasi pada Pasar Modal Syariah." SANTRI : Jurnal Ekonomi dan Keuangan Islam 2, no. 6 (2024): 289–97. https://doi.org/10.61132/santri.v2i6.1141.

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This study focuses on analyzing the impact of Islamic financial literacy on the interest in investing in the Shariamarket. Islamic financial literacy involves a deep understanding of financial principles that comply with Islamic law, including zakat, riba, and the principle of justice in financial transactions. The growing awareness of halal and Sharia-compliant investments suggests that Islamic financial literacy can be a decisive factor in investment decisions. This study uses a quantitative method by distributing questionnaires to 200 respondents, comprising prospective investors and active
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16

Azri, Ahmad Danil, Siti Nurhaliza, and Vina Suci Salsabila. "Pengaruh Literasi Keuangan Syariah Terhadap Keputusan Memilih Bank Syariah." JOURNAL OF SHARIA ECONOMICS 6, no. 2 (2024): 120–31. https://doi.org/10.35896/jse.v6i2.942.

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Literacy is an effort made to prevent various obstacles that arise in society in accessing financial services. The level of public financial literacy has a significant impact on the success of financial inclusion efforts. Financial literacy refers to people's ability or understanding of how money works. Currently, financial literacy with sharia principles has arrived and will become a fundamental foundation for Muslims. Every Muslim individual must have knowledge of sharia finance in choosing financial services that are based on sharia principles. This research aims to determine the level of I
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Pontiningsih, Nely, and Miswan Ansori. "Analysis of Community Financial Literacy Levels towards Sharia Financial Institutions, Case Study in Menganti Village, Jepara Regency." Jurnal Ecoment Global 9, no. 1 (2024): 58–68. https://doi.org/10.36982/jeg.v9i1.4215.

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Objective: This research aims to analyze the level of community financial literacy towards sharia financial institutions in Menganti Village, Jepara Regency Design/Methods/Approach: This research uses a quantitative method with a survey approach, where data is collected through questionnaires distributed to the Menganti Village community. Findings: The research results show that the level of sharia financial literacy of the Menganti Village community is in the medium category with an average score of 71.99%. Basic knowledge of sharia finance had the est score with 83.52%, followed by sharia in
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Suriani, Suriani, and Ulfa Mardayanti. "THE INFLUENCE OF GENDER, GRADE POINT AVERAGE, LEARNING AND FINANCIAL EDUCATION ON SHARIA FINANCIAL LITERACY." Ekonomi Islam 15, no. 2 (2024): 129–48. https://doi.org/10.22236/jei.v15i2.11854.

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The Financial Services Authority (OJK) conducted the 2019 National Survey of Financial Literacy and Inclusion (SNLIK), and the results showed that while conventional financial literacy is at 67.1%, Sharia financial literacy among Indonesian students is still significantly lower at 31.5%. This study looked at how undergraduate students at the Faculty of Economics and Business, Universitas Syiah Kuala, in the even semester of the 2022–2023 academic year, perceived their level of Sharia financial literacy about their gender, grade point average (GPA), financial education in postsecondary institut
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Hakim, Ahmad Muqarrabin, and Nihayatu Aslamatis Solekah. "Pengaruh Religiusitas terhadap Minat Menjadi Nasabah pada Bank Indonesia Provinsi Kalimantan Selatan dengan Syariah Financial Literacy Dan Financial Behavior Sebagai Variabel Mediasi (Studi Kasus pada Bank Syariah Indonesia KCP Tapin)." Ekonomis: Journal of Economics and Business 8, no. 2 (2024): 1939. http://dx.doi.org/10.33087/ekonomis.v8i2.1627.

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Religiosity can be a factor that influences a person's interest in becoming a customer in a sharia banking company, including Bank Syariah Indonesia (BSI). South Kalimantan Province is one of the regions that has the highest religiosity with a Muslim population of 96.7%. Likewise, sharia financial literacy will be one of the determining factors for this interest. Data also shows that the level of sharia financial literacy in South Kalimantan Province always increases every year. Then the financial behavior factor or financial behavior will also increase this interest. The aim of this research
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Tulasmi, Rakhmawati, and Siti Latifah Mubasiroh. "Sharia Financial Literacy for Generation Z." Asian Journal of Community Services 2, no. 6 (2023): 501–10. http://dx.doi.org/10.55927/ajcs.v2i6.4594.

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The service activities comprised various stages, starting with the initial initiation and coordination with the leader, followed by observation, socialization, and the implementation of community service. This included conducting a pre-test, delivering the material in a classical format, facilitating a question and answer session, administering a post-test, as well as concluding with an evaluation and reporting phase. During the evaluation, the difference in values was assessed using the Wilcoxon test, with the statistical software Jamovi employed for this purpose. The results showed a signifi
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Mallfi Lutfia and Herlina Yustati. "Pengaruh Literasi Keuangan Terhadap Keputusan Penggunaan Produk Pegadaian Syariah." SANTRI : Jurnal Ekonomi dan Keuangan Islam 2, no. 6 (2024): 25–37. https://doi.org/10.61132/santri.v2i6.968.

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This research aims to analyze the influence of financial literacy on decisions to use sharia pawnshop products. Financial literacy is an important factor that influences individuals in making financial decisions, including choosing sharia-based financial products. In this context, sharia pawnshops are one of the financial institutions that offer financing solutions according to sharia principles. This study uses a quantitative method with a survey approach to sharia pawnshop customers. Data were analyzed using linear regression to measure the relationship between the level of financial literac
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Basrowi, Basrowi, Tulus Suryanto, Erike Anggraeni, and Muhammad Nasor. "The Effect Of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion." AL-FALAH : Journal of Islamic Economics 5, no. 2 (2020): 231. http://dx.doi.org/10.29240/alfalah.v5i2.1669.

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Purpose: The purpose of this study was to determine the magnitude of the influence of Islamic financial literacy and Islamic financial technology on the inclusion of Islamic finance in students in Lampung Province both partially and simultaneously.Design Methods:The method used is a survey method. The population of this study is all smester V students and above in Islamic Economics Study Program, Islamic Banking. and sharia accounting in all State and Private Universities in Lampung Province, totaling 3080 people. The sampling technique used is proportional grain sampling, as much as 10% of th
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Novianti, Serly, Zaharman Zaharman, Arini Arini, Raymond Trisno, and Giovanny Margaretha S. "LITERASI KEPADA MASYARAKAT DALAM PROGRAM PENCATATAN KEUANGAN SYARIAH MENGGUNAKAN MODUL MANAJEMEN KEUANGAN SYARIAH." Jurnal Pengabdian Kompetitif 3, no. 1 (2024): 29–33. http://dx.doi.org/10.35446/pengabdiankompetif.v3i1.1804.

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In this modern era, financial literacy has become a very important thing. Financial literacy is an alternative strategy for building economic growth and financial stability so that we can survive and face the various services available. The concept of sharia finance involves better financial management and selecting investments that are halal and profitable. The role of students in increasing sharia literacy is very important to socialize it to the community, which will ultimately be implemented by the community itself. Community service in the sharia financial recording program using the shar
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Atiqah, Siti Nurul, Muhammad Yafiz, and Muhammad Arif. "Strategy of the financial services authority in improving sharia financial literacy and inclusion of North Sumatera communities." SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam 7, no. 1 (2024): 53–60. https://doi.org/10.36407/serambi.v7i1.1468.

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The Sharia financial literacy and inclusion level in North Sumatra, Indonesia, is lower than that of conventional finance. This research analyzes the Financial Services Authority's (OJK) strategies to enhance Sharia financial literacy and inclusion. Utilizing qualitative methods, including interviews and document analysis, the study reveals that OJK has implemented initiatives like the Sharia Financial Literacy Safari program, developed innovative products like Sharia Student Savings, and partnered with Sharia fintech providers to leverage digital technology. While these efforts have improved
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Amelia, Tisa, and Iiz Izmuddin. "Analisis Literasi Inklusi Keuangan Syariah Pada Guru Pondok Pesantren Di Kota Bukittinggi (Studi Kasus Pada Pondok Pesantren Modern Al-Ma’arif, H. Muhammad Nadis, Dan Bai’aturridwan)." Jurnal Ilmiah Global Education 6, no. 1 (2025): 65–75. https://doi.org/10.55681/jige.v6i1.3584.

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Sharia financial literacy is one of the important programs carried out by the government in order to improve the Indonesian economy in the future. This research aims to determine the level of sharia financial inclusion literacy among teachers at the Bukittinggi City Islamic Boarding School, with a sample size of 73 respondents, by conducting qualitative descriptive analysis. The author's background in discussing this title is because he sees that Islamic boarding schools as institutions or sharia-based institutions have sharia-based teachers who still lack sharia-based financial literacy and i
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Indrarini, Rachma, and Andriani Samsuri. "Model Ketahanan Keuangan Syariah." IQTISHADIA Jurnal Ekonomi & Perbankan Syariah 9, no. 1 (2022): 14–26. http://dx.doi.org/10.19105/iqtishadia.v9i1.5706.

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The COVID-19 pandemic has had an adverse impact on the economy. Many people have lost their jobs but the necessities of life have increased. Society needs a model to make sharia financial resilience. This study aims to formulate a model of Islamic financial resilience, especially for Muslims by looking at three indicators are Islamic financial literacy, Islamic financial planning and Islamic financial inclusion. This research uses quantitative research with multiple linear regression. The result of this research is that Islamic financial literacy has no affect on sharia financial resilience. I
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Haerany, Anne, and Sri Aneza. "Influence of Sharia Financial Literacy,Financial Attitudes And Perceptionson Interest In Using Sharia Banking." Nomico 1, no. 9 (2024): 61–74. https://doi.org/10.62872/9ng3zr14.

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Sharia banking has been established in Indonesia for approximately 33 years, but its market share is still very small, namely around 7.21% of total commercial bank assets. This study aims to explain the effect of Islamic Financial Literacy, Attitudes and Perceptions of Finance on Interest in Using Islamic Banking Services with Religiosity as a Moderating Variable in Sharia Economics Students in Region 3 Cirebon. Quantitative research with purposive sampling data collection with 100 respondents. The data obtained was analyzed using SEM-PLS version 3.0 software. The results showed that Sharia Fi
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Ilfita, Khoiriyah, and Clarashinta Canggih. "THE INFLUENCE OF SHARIA FINANCIAL LITERACY, RELIGIOSITY, AND PERCEPTION OF SAVING STUDENTS’ INTEREST IN SHARIA BANKS." Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 3, no. 2 (2021): 113–34. http://dx.doi.org/10.31538/iijse.v3i2.1010.

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 People in Indonesia in saving activities in sharia banks are still classified in the lower category than conventional banks. It is caused by several factors. Sharia financial literacy, religiosity and perceptions can be factors influencing people's interest in saving at sharia banks. This study aimed to determine the effect of sharia financial literacy, religiosity, and perceptions of saving interest in sharia banks. This study used a quantitative approach. In this research, researchers took samples used random sampling techniques. The data analysis technique used is multiple li
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Solekah, Nihayatu Aslamatis, and Ahmad Muqarrabin Hakim. "HOW SHARIA FINANCIAL LITERACY MODERATED RELIGIOUS AND MUSLIM FINANCIAL BEHAVIOUR." International Conference of Business and Social Sciences 3, no. 1 (2024): 502. http://dx.doi.org/10.24034/icobuss.v3i1.411.

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This study aims to understand the effect of religion, Sharia financial literacy (SFL), on Muslim financial behaviour (MFB) and Sharia financial literacy as a moderating variable between religion and MFB. This research uses the descriptive quantitative method. The sample in this study was 190 respondents using purposive sampling of Muslims who live in South Kalimantan—data analysis by structural model assessment with the Partial Least Square (PLS) analysis method. The results indicated religion and Sharia financial literacy influence financial behaviour, so SFL also moderates religion on financ
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Khotiawan, Ma’rufa, and Muhammad Luthfiansyah. "THE STRATEGY TO ENHANCE THE SHARIAH FINANCIAL LITERACY AND INCLUSION IN INDONESIA (Case Study at Financial Services Authority Office in The City of Malang)." Management and Economics Journal (MEC-J) 1, no. 1 (2017): 47. http://dx.doi.org/10.18860/mec-j.v1i1.4529.

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<p>The<strong> </strong>results of the survey of literacy and Financial Inclusion Shari'ah in Indonesia 2016 each show numbers 8.11 % and 11.06 %. Whereas the inhabitants of the religion of Islam in Indonesia more than 85%. With this then needs to be formulated strategies that can increase the level of literacy and financial inclusion shari'ah in Indonesia. The importance of literacy improvement and Financial Inclusion Shari'ah to improve the behavior of the community in financial management and to improve the welfare of them. So that priorities are intended to know how the s
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Mutiara, Nisa, Eka Askafi, Ahmad Yani, Fahmi Aquinas, and Wawan Herry Setyawan. "Sharia financial literacy: Decoding the nexus of civil Servants' investment choices." Journal of Innovation in Business and Economics 7, no. 01 (2023): 61–68. http://dx.doi.org/10.22219/jibe.v7i01.29022.

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This research explores the complex relationship between Sharia financial literacy, financial attitudes, financial satisfaction, and investment decisions in the context of Islamic economics. Utilizing path analysis with 369 civil servant respondents, this study reveals that both Sharia financial literacy and financial attitudes positively impact financial satisfaction. This implies that individuals possessing a strong understanding of Islamic finance and a positive attitude toward their finances tend to experience higher levels of financial satisfaction. Nevertheless, variations in their direct
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Alhassan, Muneera Fawaz H., Elinsyi Rahayu, Dita Nafira Hidayat, Salwa J, and Nurhasanah Nurhasanah. "Sharia Literacy and Social Dimension of Indonesian Education: A Study of Financial Inclusion in Islamic Boarding Schools Through Digital Transformation." JURNAL INDO-ISLAMIKA 14, no. 2 (2024): 315–27. https://doi.org/10.15408/jii.v14i2.43758.

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This research explores strategies for enhancing Sharia financial literacy and inclusion in Islamic boarding schools through digital transformation. It highlights the potential of digital technology to improve students' understanding and practice of Sharia finance. The study examines the influence of cultural and social factors on the adoption of digital technology and the importance of adhering to Sharia principles in digital financial transactions. Using sociological frameworks such as Rogers' Diffusion of Innovations, Bourdieu's Habitus and Capital, and Weber's Social Action Theory, the rese
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Umila, Titin, Umi Suswati Risnaeni, Muhammad Farid, and Shinta Nuriah Ramadani. "Lifestyle and Religiousity of Employees of The Kyai Syarifuddin Lumajang Foundation Regarding Interests in Using Sharia Financial Institutions." Muhasabatuna : Jurnal Akuntansi Syariah 6, no. 1 (2024): 139–50. http://dx.doi.org/10.54471/muhasabatuna.v6i1.3053.

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Recent trends in the financial sector and services increasingly emphasize the importance of financial literacy. The 2019 National Survey of Financial Literacy and Inclusion (SNLIK) showed a financial literacy index of 38.03% and a financial inclusion index of 76.19%. This shows that Indonesian society in general does not yet properly understand the characteristics of various financial products and services offered by formal financial service institutions, even though financial literacy is an important skill in the context of community empowerment, individual welfare, consumer protection and in
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Yessy, Nurfitri, Lidyah Rika, and Cahaya Azwari Peny. "The Influence of Sharia Financial Literacy and The Use of Digital Finance On Financial Inclusion with Financial Behavior as an Intervening Variable in Halal Food MSMEs in Palembang City." INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND ANALYSIS 07, no. 10 (2024): 4772–78. https://doi.org/10.5281/zenodo.13950178.

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This research aims to analyze the influence of Sharia Financial Literacy and the Use of Digital Finance on Financial Inclusion with Financial Behavior as an Intervening Variable in Halal Food MSMEs in Palembang City. This research uses a quantitative approach method. The population in this research is Halal Food Business Actors in Palembang City with a sample size of 121 respondents. The data collection technique uses primary in the form of distributing questionnaires using a Likert scale. The data analysis technique in this research uses Outer Model Analysis, Inner Model Analysis, Bootstrappi
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Agustin, Dwi Nur, and Luqman Hakim. "Peran Religiusitas Sebagai Variabel Moderating Pengetahuan, Persepsi Produk Bank Syariah dan Literasi Keuangan Tehadap Minat Investasi Syariah." Jurnal Pendidikan Akuntansi (JPAK) 10, no. 2 (2022): 106–16. http://dx.doi.org/10.26740/jpak.v10n2.p106-116.

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The progressive development of sharia banking in Indonesia is quite significant, so many use sharia-based products, one of which is sharia investment. Apart from Islamic law, several factors influence students to invest in sharia: knowledge, perceptions of sharia banking products, and financial literacy. This study was conducted to determine the effect of knowledge, perceptions of sharia bank products, and financial literacy with religiosity as a moderating variable on sharia investment interest. This research utilizes quantitative research methods with purposive sampling as a sampling techniq
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Arif. "SHARIA SMART CARD STRATEGY FOR INCREASING SHARIA ECONOMIC AND FINANCIAL LITERACY." INTERNATIONAL JOURNAL OF STRATEGIC STUDIES 1, no. 1 (2024): 8–15. http://dx.doi.org/10.59921/icestra.v1i1.33.

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Based on the results of the OJK survey 2022, the level of sharia financial literacy in Indonesia is still shallow, namely 9.14%. The low level of public literacy regarding Sharia finance is a fundamental problem that must be immediately resolved from its roots. This research aims to increase sharia economic and financial literacy for students in Indonesia based on a card game called SSD. The method used is Research and Development (RnD) and is reinforced with qualitative description. The research results show that there are 40 SSD cards with ten categories. Each category has four sub-categorie
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Rohmayanti, Siti Alfia Ayu, Andriani Samsuri, and Achmad Room Fitrianto. "Analisis Literasi Keuangan Syariah pada Pemberdayaan Ekonomi UMKM Binaan Bank Indonesia Kantor Wilayah Jawa Timur." Muslim Heritage 6, no. 2 (2021): 377–403. http://dx.doi.org/10.21154/muslimheritage.v6i2.3131.

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AbstractThe lack of understanding of SMEs on financial management led to a lack of clear and unstructured financial statements and impacted the stalled expansion of SMEs. This needs to be done in a particular study related to financial literacy. This study aims to analyze the level of Islamic financial literacy by understanding financial knowledge, financial attitude and financial behavior in SMEs assisted by Bank Indonesia Regional Representative Office of East Java. The data is qualitatively descriptively studied with a naturalistic approach. Data collection is conducted by interviewing info
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Maulidya Berliana Rahmawati, Miswan Ansori, and Cahyaning Budi Utami. "Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan terhadap Minat Menabung di Lembaga Keuangan Syariah." EKONOMIKA45 : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan 12, no. 1 (2024): 857–70. https://doi.org/10.30640/ekonomika45.v12i1.3658.

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This research aims to find out whether there is an influence of sharia financial literacy and trust on people's interest in saving in sharia financial institutions. The research method used in this research is quantitative with data collection techniques through questionnaires. The object of this research is the people of Tengguli village, the majority of whom are Muslim. The research results show based on multiple linear regression analysis that sharia financial literacy and trust together have a significant influence on the interest in saving of the people of Tengguli village in sharia finan
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Lubis, Riadoh. "The Influence of Islamic Financial Literacy on the Decision to Use Islamic Financial Institutions (Panyabungan III Village Community, Mandailing Natal Regency)." AMK : Abdi Masyarakat UIKA 3, no. 3 (2024): 133–42. https://doi.org/10.32832/amk.v3i3.2463.

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This research was conducted in Kel. Panyabungan III District. Mandailing Christmas. The aim of this research is to analyze the influence of sharia financial literacy on the decision to use sharia financial institutions in the Kel.Panyabungan III community. To achieve this goal, research was carried out using community samples from Kel.Panyabungan III, totaling 98 people using the purposive sampling method, while data analysis in this research was validity and reliability testing, classical assumption testing, simple linear regression testing and hypothesis testing, namely t test and R square t
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Luthfiani, Rifda Amalia, and Ratna Candra Sari. "THE EFFECT OF RELIGIOSITY, THE LEVEL OF INCOME, AND THE LEVEL OF ISLAMIC FINANCIAL LITERACY TOWARD THE INTEREST OF STUDENT TO BECOME CUSTOMERS IN SHARIA FINANCIAL INSTITUTION." Nominal: Barometer Riset Akuntansi dan Manajemen 8, no. 1 (2019): 109–21. http://dx.doi.org/10.21831/nominal.v8i1.24503.

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Abstract : The Effect of Religiosity, The Level of Income, and The Level of Islamic Financial Literacy Toward The Interest Of Student To Become Customers In Sharia Financial Institution. This research aims to analyze (1) the effect of religiosity toward the interest of students to become customers in Sharia financial institutions, (2) the effect of income on the interest of students to become customers in Sharia financial institutions, (3) the effect of the level of Islamic financial literacy the interest of students to become customers in Sharia financial institutions, and (4) the effect of r
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Fernanda, Dedi, Khadijah Ath Thahirah, and Riani Sukma Wijaya. "Analisa Tingkat Literasi Keuangan Syariah Dosen Dan Tenaga Kependidikan Perempuan Di Universitas Dharma Andalas." Jurnal Ekonomika Dan Bisnis (JEBS) 4, no. 5 (2024): 811–15. http://dx.doi.org/10.47233/jebs.v4i5.1990.

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This study aims to determine the level of Islamic Financial Literacy of lecturers and female education personnel at Dharma Andalas University. The Islamic financial literacy index includes the concept of money in Islam, Islamic banking, takaful and sharia-based investments. This study uses a quantitative descriptive method with data collection through questionnaires on lecturers and female education personnel at Dharma Andalas University. The level of Sharia Financial Literacy in female lecturers and education personnel at Dharma Andalas University needs to be done considering the important ro
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Nuraini, Putri, and Mohammadtahir Cheumar. "An Analysis of The Influence of Sharia Financial Literacy on Interest in Using Sharia Bank Products." International Economic and Finance Review 2, no. 1 (2023): 92–105. http://dx.doi.org/10.56897/iefr.v2i1.28.

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This study aims to analyze the influence of Sharia financial literacy on the interest in using Sharia bank products of mosque youth in Pekanbaru City, Riau. The sample of the study consists of 92 respondents. The type of this study is field research with a quantitative approach. The data are obtained from primary data with the analysis techniques using simple linear regression with data processing performed by SPSS Software Version 25. The hypothesis testing of the study is partial analysis (t-test). The results of the study show that the Sharia financial literacy has a positive and significan
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43

Amrin. "Enhancing Student Engagement With Indonesian Sharia Banking: The Role Of Sharia Financial Literacy." JEKSYAH Islamic Economics Journal 3, no. 01 (2023): 36–43. http://dx.doi.org/10.54045/jeksyah.v3i01.307.

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The purpose of this study was to find out and analyze the influence of the level of Islamic financial literacy on the interest in using Bank Syariah Indonesia products. This study uses quantitative research with associative types. The data collection technique uses a questionnaire with a population of all Islamic banking students class of 2021, Faculty of Economics and Islamic Business, UIN Syarif Hidayatullah Jakarta. The sampling technique used purposive sampling with the criteria of students who did not have accounts at Islamic banks, namely as many as 67 people. The analysis technique used
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Panjaitan, Firta, Roma Sinta, and Juliana Batubara. "Analysis of the Influence of Sharia Economic Literacy on Investment Decisions of Muslim Society." Seriat Ekonomisi 1, no. 4 (2024): 114–22. https://doi.org/10.35335/0yhqvj21.

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This research aims to analyze the influence of Sharia economic literacy on the investment decisions of the Muslim community. As Islamic financial systems grow in prominence, understanding how literacy in Sharia economic principles shapes individual financial behavior is crucial. The study adopts a quantitative approach using survey data collected from Muslim investors to assess their knowledge of Islamic financial concepts such as the prohibition of riba (interest), gharar (uncertainty), and maysir (gambling), as well as their awareness of Sharia-compliant investment options. The results indic
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Haerany, Anne, and Sri Aneza. "Influence Of Sharia Financial Literacy, Financial Attitudees and Perceptions On Interest In Using Sharia Banking." Oikonomia : Journal of Management Economics and Accounting 2, no. 1 (2024): 67–78. https://doi.org/10.61942/oikonomia.v2i1.317.

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Sharia banking has been established in Indonesia for approximately 33 years, but its market share is still very small, namely around 7.21% of total commercial bank assets. This study aims to explain the effect of Islamic Financial Literacy, Attitudes and Perceptions of Finance on Interest in Using Islamic Banking Services with Religiosity as a Moderating Variable in Sharia Economics Students in Region 3 Cirebon. Quantitative research with purposive sampling data collection with 100 respondents. The data obtained was analyzed using SEM-PLS version 3.0 software. The results showed that Sharia Fi
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Addury, Multazam Mansyur, Anton Priyo Nugroho, and Salehuddin Khalid. "The Intention of Investing Sharia Stocks on Millennials: The Role of Sharia Financial Literacy." Ihtifaz: Journal of Islamic Economics, Finance, and Banking 3, no. 2 (2020): 89. http://dx.doi.org/10.12928/ijiefb.v3i2.3170.

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Introduction to The Problem: Millennials are a generation that has a very rapid growth. More than 30 percent of Indonesia's population is millennials, but many of the Millennials have not been intentioned in investing in sharia stocks.Purpose/Objective Study: The purpose of this research is to examine the impact of sharia financial literacy on Millennials on the intention of investing in sharia stocks, or it has other factors.Design/Methodology/Approach: This research used Sharia financial literacy and the Theory of Planned Behavior. This research used five variables namely Sharia financial li
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Budiono, I. Nyoman, Asriadi Arifin, Rahma, and Fidia Harfiana. "Meningkatkan Literasi Keuangan Syariah Melalui Pelatihan Sistem Operasional Perbankan Syariah Bagi Guru dan Siswa UPTD Sman 5 Parepare." Makkareso: Riset Pengabdian Masyarakat 1, no. 2 (2023): 11–21. https://doi.org/10.35905/makkareso.v1i2.7141.

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Sharia banking is a financial institution that has a very important role in supporting the national economy and choosing the same direction for Islamic economic development as envisioned by the Government, but despite this, sharia banking still has several obstacles related to several things, one of which is Sharia bank users are still minimal due to the low level of sharia financial literacy. This community service aims to socialize sharia financial literacy through sharia banking training for UPTD students at SMA Negeri 5 Parepare so that this activity is expected to increase the financial l
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R., Heru Kristanto HC, and Hendry Gusaptono R. "The Impact of Financial Literacy on Investment Decisions Between Saving and Credit: Studies on Sharia Bank Customers in the Special Region of Yogyakarta." Journal of Economics and Business 3, no. 4 (2020): 1456–63. https://doi.org/10.31014/aior.1992.03.04.291.

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Investment decision-making will involve cognitive, psychological, social and behavioral aspects. Financial literacy includes financial knowledge, financial behavior, financial awareness and financial attitudes. This study aims to analyze the impact of financial literacy on investment decisions of Sharia Bank customers. The sampling technique uses random sampling on Sharia Bank customers in the Special Region of Yogyakarta, Indonesia. Data analysis using multiple regression. The results reveal that 1) Financial knowledge has a positive effect on investment decisions. 2) Financial behavior has a
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Ernayani, Rihfenti, Citra Dewi, Nur Dafiq, and Rosdarni Rosdarni. "Introduction to Sharia Economics and Financial Literacy for Elementary School Students." I-Com: Indonesian Community Journal 4, no. 1 (2024): 491–500. http://dx.doi.org/10.33379/icom.v4i1.4104.

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This research delves into the introduction of Sharia Economics and financial literacy among students at the International School of Kuala Lumpur. Recognizing the importance of financial education and ethical financial practices, especially in diverse educational settings, this study aims to bridge the gap in understanding Islamic finance principles and fostering financial literacy among students. The background of the problem lies in the necessity to equip students with comprehensive knowledge of Sharia Economics, aligning with the multicultural context of Kuala Lumpur. The primary objective o
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Mutiara Savitri, Fania, Asep Suraya Maulana, Atika Dyah Perwita, and Saptana Saptana. "The Effect of Sharia Financial Access & Financial Literation to Non-Bankable MSME’s Growth." Velocity: Journal of Sharia Finance and Banking 1, no. 2 (2021): 68–78. http://dx.doi.org/10.28918/velocity.v1i2.4606.

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 A number of Islamic financial institutions able to provide non-bankable requirement by limiting loan plafond in order to reduce credit risk. That condition can hamper Micro Small Medium Enterprise (MSME)’s growth. This is proven by only 13.21% of MSME that only have been served by obtaining access to Islamic finance. Study about MSME’s Growth have general purpose to analyze interaction between Financial Literacy and Sharia Financial Access to Finance to MSME’s Growth. This study adopted quantitative research design and used Structural Equation Model (SEM) analysis method by SmartP
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