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Journal articles on the topic 'Sharia Inclusion'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

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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Zaki, Irham, Fanet Muhammad Hanifan Paham, and M. Bastomi Fahri Zusak. "Improving Sharia Financial Inclusion through Advancements in Technology and Compliance with Sharia Principles." IQTISHADIA 16, no. 1 (2023): 146. http://dx.doi.org/10.21043/iqtishadia.v16i1.22116.

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This study aims to analyze the role of technology implementation and Sharia compliance in Islamic financial institutions in improving financial inclusion in Indonesia. This study employs a case study method using descriptive and explanatory techniques to investigate the relationship between the utilization of technology and compliance with Sharia principles in Peer-to-Peer Lending applied by ALAMI Sharia for contributing to the promotion of financial inclusion in Indonesia. This study focuses on analyzing Peer-to-Peer Lending ALAMI Sharia as the primary subject, specifically in relation to its

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Khaddafi, Muammar, Cheren Putri, Ainun Marziah, Dilla Amanda, Nurul Husna, and Widodo Widodo. "Analysis of the Sharia Management Accounting System as the Main Driver for Sustained Sharia Financial Inclusion." PKM-P 8, no. 1 (2024): 29–33. https://doi.org/10.32832/jurma.v8i1.2180.

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Financial literacy and inclusion and formulate recommendations to optimize its contribution in increasing sharia financial inclusion in Indonesia. The data collection technique used is analyzing the data by means of describe or describe the collected data that is generally applicable or a generalization. From the results of this research, it can be concluded that the 2022 SNLIK data shows a significant increase in the sharia financial literacy and inclusion index. Literacy increased from 8.93% (2019) to 9.14% (2022), while inclusion increased from 9.10% to 12.12%. This increase reflects positi

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Warno, Warno, Novatul Isrowiyah, and Rahman El Junusi. "Development Strategy for Micro, Small and Medium Enterprises through Islamic Financial Inclusion." IQTISHODUNA: Jurnal Ekonomi Islam 9, no. 1 (2020): 55. http://dx.doi.org/10.36835/iqtishoduna.v9i1.470.

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This study calculates and analyzes the Islamic financial inclusion index which covers three dimensions; accessibility, availability, and usage of sharia banking. The results showed that the level of Islamic financial inclusion in Indonesia was classified as low during the study period and DKI Jakarta Province was the most inclusive province in Indonesia. Furthermore, this study analyzes the effect of the Islamic financial inclusion index on Islamic financing channeled to Micro, Small and Medium Enterprises (MSMEs) in Indonesia. Using the saturated sampling method, a total of 33 provinces in In

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Lestari, Anisa Ayu Dwi. "Performance of Sharia Cooperatives in Supporting Micro Business Development: Perspective of Sustainability and Financial Inclusion." Journal of Sharia Micro Enterprise and Cooperation 1, no. 1 (2024): 25–35. https://doi.org/10.59784/jsmec.v1i1.5.

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Sharia cooperatives have an important role in expanding financial access and supporting the sustainability of micro-enterprises, especially in communities that prioritize sharia values. However, many micro-enterprises still have difficulty accessing conventional financing, thus hampering their development. This study aims to analyze the performance of sharia cooperatives in supporting the development of micro-enterprises through the perspective of sustainability and financial inclusion. The study used a quantitative method with a survey involving 200 sharia cooperatives as samples. The researc

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Karnawijaya, Ning, and Siti Rokhaniyah. "Pegadaian Digital Service." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 4, no. 3 (2021): 708–25. http://dx.doi.org/10.47467/alkharaj.v4i3.718.

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This study aims to determine the effect of Pegadaian Digital Service (PDS) on the financial inclusion of sharia business segments. The study was conducted using secondary data and analyzed by quantitative and qualitative methods. Quantitative method used the t-test to determine the significance of the effect of PDS on the financial inclusion of sharia business segments. The t-test was conducted two years before the release of PDS (2016-2017) and the two years after released of PDS (2018-2019). Sharia business segments in this study are sharia pawn bussiness (rahn) and micro fiducia sharia busi

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Islami, Muhammad Fatchullah El, Siti Eniyatul Uyun, and Nur Diana Khalida. "Determinants of Financial Performance in Influencing Inclusivity of Sharia Pension Fund Participants in Indonesia." Jurnal Ekonomi, Bisnis & Entrepreneurship 18, no. 1 (2024): 262–82. https://doi.org/10.55208/rvbbc520.

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Financial planning in old age is very important to do in order to prepare for the guarantee of life in old age. Sharia pension funds are a means that facilitate participants in meeting their needs in retirement. This study aims to provide empirical evidence related to the relationship between ROI, RITA, and Liability financial performance to the inclusion of Sharia pension fund participants in Indonesia. This type of research uses quantitative associative. The research data source uses secondary data from the publication of Sharia IKNB statistics on the Financial Services Authority website. Th

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Fatchul, Muhammad Fatchullah El Islami, Siti Eniyatul Uyun, and Nur Diana Khalida. "Determinants of Financial Performance in Influencing Inclusivity of Sharia Pension Fund Participants in Indonesia." Jurnal Ekonomi, Bisnis & Entrepreneurship 18, no. 1 (2024): 262–82. http://dx.doi.org/10.55208/jebe.v18i1.523.

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Financial planning in old age is very important to do in order to prepare for the guarantee of life in old age. Sharia pension funds are a means that facilitate participants in meeting their needs in retirement. This study aims to provide empirical evidence related to the relationship between ROI, RITA, and Liability financial performance to the inclusion of Sharia pension fund participants in Indonesia. This type of research uses quantitative associative. The research data source uses secondary data from the publication of Sharia IKNB statistics on the Financial Services Authority website. Th

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Syarifuddin, Syarifuddin Syarifuddin. "ACCELERATION AND STRENGTHENING OF SHARIA FINANCIAL INCLUSION THROUGH MERGING SHARIA BANKING IN INDONESIA." Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) 7, no. 1 (2021): 130. http://dx.doi.org/10.20473/jebis.v7i1.24998.

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Islamic banking in Indonesia is slowly experiencing significant developments both in terms of number of assets and its financial performance. On the other hand, the market share was only able to grow by 6.18 percent with grow rate less than 5 percent. Therefore, one of the strategies to increase and accelerate the growth of Islamic banking is through a merger. The purpose of this study is to provide an overview of the potential development of Islamic banking after the merger as an effort to strengthen the inclusion and acceleration of Islamic finance in Indonesia. The method used is in the for

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Nahdliyah, Kholifatun, and Atina Shofawati. "VARIABEL EKONOMI MONETER YANG MEMPENGARUHI PERTUMBUHAN EKONOMI DAN FINANCIAL INCLUSION BANK SYARIAH DI INDONESIA PERIODE 2010-2017." Jurnal Ekonomi Syariah Teori dan Terapan 6, no. 7 (2020): 1395. http://dx.doi.org/10.20473/vol6iss20197pp1395-1409.

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This study aims to determine the effect of exchange rate and money supply on economic growth and financial inclusion in Bank Syariah Period 2010-2017. The sample used is saturated samples, ie all parts of Sharia Bank, including Sharia Commercial Bank and Sharia Business Unit which in the last year of 2017 amounted to 13 Sharia Commercial Banks and 21 Sharia Business Units, furthermore this research uses time series data analysis by analyzing data from year to year. The research approach used is quantitative approach using analysis technique PLS (Partial Least Square) with four latent variables

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Sukarnoto, Toto, Yadi Janwari, Ending Solehudin, and Setia Mulyawan. "Women's Empowerment as a Moderator Variable in the Role of Sharia Microfinance Inclusion in Strengthening the Family Economy." Journal of Economics, Finance and Accounting Studies 5, no. 6 (2023): 14–26. http://dx.doi.org/10.32996/jefas.2023.5.6.2.

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This research aims to describe and analyze women's empowerment as a moderator variable that can strengthen or weaken the relationship between the roles of Sharia microfinance inclusion in strengthening the family economy. The reason is the inclusion of Sharia finance to strengthen the family economy and micro businesses for women who are still unbankable entrepreneurs. Therefore, it is necessary to know the factors determining the strengthening of the family economy by empowering women. In this research, descriptive analysis research methods are used, and data analysis is conducted through MRA

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Yudha, Praditya Kartiwa, Nazliana Nasution Lia, Efendi Andria Zulfa Bakhtiar, and Rusiadi. "Analysis of economic growth and poverty levels in Indonesia based on digitalization and sharia banking financial inclusion." World Journal of Advanced Research and Reviews 23, no. 1 (2024): 2492–501. https://doi.org/10.5281/zenodo.14822938.

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This research aims to analyze Indonesia's economic growth based on digitalization and Sharia banking financial inclusion. Using secondary data for the period 2014 to 2022 per quarter and the Seemingly Unrelated Regression (SUR) method, to find out which variables most influence economic growth and poverty levels in Indonesia. The results found that Sharia banking financial inclusion through the variable amount of financing, growth in funding to the private sector, and the value of sukuk ownership contributed to an increase in Indonesia's economic growth. Furthermore, both financial digitalizat

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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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Pinilih, Muliasari, Intan Shaferi, Purwadi Purwadi, Maulita Nur Sejati, and Juwita Anggraini Sain. "DETERMINANTS OF SHARIA FINANCE INCLUSION IN THE STUDENT ENVIRONMENT." FINANSIA : Jurnal Akuntansi dan Perbankan Syariah 7, no. 2 (2024): 207–18. https://doi.org/10.32332/finansia.v7i2.9418.

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Sharia financial inclusion is classified as a low category and needs to be improved to improve people's welfare. This study analyzes the impact of financial literacy, financial technology, and financial self-efficacy on Islamic financial inclusion and looks at the differences in Islamic financial inclusion in student groups. The research data used a questionnaire distributed to 174 students. Data analysis uses the t-test approach, F-test, and independent test differential. The results of the study showed that financial literacy partially affected Sharia financial inclusion, financial technolog

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Abdulloh, Muhamad. "Digital Transformation of Bank Syariah Indonesia Services and Its Impact on Financial Inclusion." Invest Journal of Sharia & Economic Law 3, no. 2 (2023): 224–35. http://dx.doi.org/10.21154/invest.v3i2.6977.

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Islamic financial inclusion is the openness of providing access and use of a variety of convenient and affordable financial services by sharia. In supporting the realization of the Sharia financial inclusion target and the Indonesian Sharia Banking Development Roadmap (RPSI) for 2020-2025, Bank Syariah Indonesia strives for customer convenience and comfort by providing access to various products and services digitally. The research method uses a type of qualitative descriptive research with a library research method. The types of data used are primary data and secondary, primary data obtained

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Nurfalah, Irfan, and Aam Slamet Rusydiana. "DIGITALISASI KEUANGAN SYARIAH MENUJU KEUANGAN INKLUSIF: KERANGKA MAQASHID SYARIAH." Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan dan Akuntansi 11, no. 1 (2019): 55. http://dx.doi.org/10.35313/ekspansi.v11i1.1205.

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Sharia financial literacy and financial inclusion in indonesia are still in the lower level, Indonesian’s Financial Services Authority launched in 2016 that the data of sharia financial literacy is about 8.11% and sharia financial inclusion only about 11.06%. The easiness of access against sharia financial products and services are the main factors that caused both are still in the lower level. In case of enhancement of society knowledge and access needs the innovation to simplify the utilization of sharia financial products and services. One of the best innovation must be developed by Sharia

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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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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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Pahriati, Pahriati. "DIGITAL FINANCIAL INNOVATION AND SHARIA BANKING FINANCIAL INCLUSION." Tawazuna 3, no. 2 (2024): 10–15. http://dx.doi.org/10.35747/twz.v3i2.1005.

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Digital financial innovation refers to used benefit of information technology, like internet and mobile applications, provided financial services those are more efficient, accessible and affordable, and also financial inclusion means providing access all levels of society, including those in remote or less developed area to have opportunity to use various services and financial products. This article uses qualitative research with datas collection techniques like searching in journals, articles and book that discuss digital financial innovation and islamic banking financial inclusion. After co

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Pradini, Anez Yuniar, and Akhmad Faozan. "SHARIA FINANCIAL LITERACY AND INCLUSION: OPPORTUNITIES AND CHALLENGES." Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah 8, no. 2 (2023): 205. http://dx.doi.org/10.24235/jm.v8i2.15406.

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Norailis Ab. Wahab, Yoiz Shofwa Shafrani, and Desi Latifah. "An Analysis Of Sharia Financial Literacy And Sharia Financial Inclusion In The Village Program Continuity (A Case Study of the Women Farmers Group of Puspa Mandiri in Gunungkarang Village, Bobotsari District, Purbalingga Regency)." el-Jizya : Jurnal Ekonomi Islam 11, no. 1 (2023): 87–102. http://dx.doi.org/10.24090/ej.v11i1.7824.

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The Women Farmers Group of Puspa Mandiri is a village program that aims to increase women's empowerment in Gunungkarang Village, Bobotsari District, Purbalingga Regency. In this group tfarmerhere are several problems such as the frequent errors in writing the nominal in financial statements and the lack of capital for managing crop yields. These two problems are related to the level of financial literacy and Sharia financial inclusion. Therefore, this study aims to analyze the level of financial literacy and Sharia financial inclusion in the Women Farmers Group of Puspa Mandiri. This research

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Ariani, Nenny, Etna Nur Afri Yuyetta, and Pancawati Hardiningsih. "The Support of Sharia Rural Banks Financing on National Financial Inclusion." International Journal of Islamic Business and Economics (IJIBEC) 4, no. 1 (2020): 40. http://dx.doi.org/10.28918/ijibec.v4i1.1980.

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The purpose of this study is to examine the effect Sharia Rural Banks Financing through Micro Small Medium Entreprise (MSMEs) financing on Financial Inclusion in Indonesia from 2011 to 2018. The study samples consists of Financial Reporting of Sharia Rural Bank from the Indonesian Financial Service Authority and Financial Inclusion from Growth Economi Report of Indonesia Central Bank. This study uses a quantitative approach with secondary Financial Inclusion data as measured by MSME Business Expansion Credit and Gross Domestic Product (GDP) using linear regression method to test the effect of

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Hidayanti Shafira and Ersi Sisdianto. "Analisis Pengaruh Tingkat Inklusi Keuangan Dan Literasi Keuangan Terhadap Minat Menabung Masyarakat Di Bank Syariah Di Indonesia." Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi 2, no. 2 (2024): 176–82. http://dx.doi.org/10.61132/anggaran.v2i2.575.

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The development of Indonesian sharia financial institutions, especially in the field of sharia banking, has increased every year, where Indonesia is in 5th place in the world. Islamic banks strive to provide convenience for their customers through digital technology-based services, but the market share of Islamic banks is lower than conventional banks. This may be caused by the low level of understanding of sharia finance, sharia financial inclusion. This research aims to analyze whether financial literacy and financial inclusion influence people's interest in saving at Islamic banks. The rese

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Yudha Praditya Kartiwa, Lia Nazliana Nasution, Bakhtiar Efendi, Andria Zulfa, and Rusiadi. "Analysis of economic growth and poverty levels in Indonesia based on digitalization and sharia banking financial inclusion." World Journal of Advanced Research and Reviews 23, no. 1 (2024): 2492–501. http://dx.doi.org/10.30574/wjarr.2024.23.1.2195.

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This research aims to analyze Indonesia's economic growth based on digitalization and Sharia banking financial inclusion. Using secondary data for the period 2014 to 2022 per quarter and the Seemingly Unrelated Regression (SUR) method, to find out which variables most influence economic growth and poverty levels in Indonesia. The results found that Sharia banking financial inclusion through the variable amount of financing, growth in funding to the private sector, and the value of sukuk ownership contributed to an increase in Indonesia's economic growth. Furthermore, both financial digitalizat

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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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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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Yuliyanti, Nanda Putri, and Taufiq Wijaya. "Analisis Peran Keuangan Syariah dalam Pembangunan Ekonomi." JES (Jurnal Ekonomi Syariah) 9, no. 2 (2024): 117–29. http://dx.doi.org/10.30736/jes.v9i2.883.

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The role of Shariah finance in economic development has been the subject of increasing research and policy discourse. Although empirical evidence of the sharia financial impact remains varied and contextual, sharia finance has the potential to make a positive contribution to economic growth, financial stability, and social well-being. Nevertheless, there are still significant challenges and complexities in realizing the Sharia financial potential as a catalyst for economic development. The study aims to explain the multi-faceted contribution of Islamic finance to economic development. In this

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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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Siska Permata Sari Harahap and Zainarti Zainarti. "Analisis Kesadaran Masyarakat Indonesia Tentang Pentingnya Asuransi Syariah." Journal of Islamic Economics and Finance 3, no. 1 (2025): 83–90. https://doi.org/10.59841/jureksi.v3i1.2210.

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The aim of this research is to determine the level of public awareness Indonesian people regarding the importance of sharia insurance. Even though there is an increase in public interest in sharia insurance, with data showing a about 39% increase in comprehension between 2016 and 2020, the level of awareness is still relatively low. This results from a failure to comprehend the basic principles of sharia insurance, lack of access to effective education and outreach, and distrust of sharia financial institutions. This research found that the millennial generation shows greater interest in shari

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Situmeang, Saidah Hayati, Imsar Imsar, and Ahmad Muhaisin B. Syarbaini. "Pengaruh Perbedaan Gender dan Inklusi Keuangan Terhadap Kapabilitas Pemasaran Asuransi Syariah Pada Organisasi NU Padangsidempuan." Ganaya : Jurnal Ilmu Sosial dan Humaniora 7, no. 2 (2024): 354–66. https://doi.org/10.37329/ganaya.v7i2.3618.

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This research aims to find out how the influence of gender differences and financial inclusion on sharia insurance marketing capabilities in the NU organization Padangsidempuan. Bannier & Schwarz research, which says that The role of gender differences can have implications for financial literacy and inclusion finance. The type of research used is quantitative research with methods multiple linear regression. The data analysis technique used in this research is purposive sampling technique with hypothesis testing used includes the T test, F test, and coefficient of determination. The sampl

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Nengsih, Novia. "Optimization Of Financial Inclusion Through Sharia Banking Redistributive Instruments." AL-ARBAH: Journal of Islamic Finance and Banking 2, no. 2 (2020): 221–45. http://dx.doi.org/10.21580/al-arbah.2020.2.2.7426.

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Purpose - This study aims to analyze the optimization of financial inclusion using Islamic banking redistributive instruments.Method - This study aims to analyze the optimization of financial inclusion using Islamic banking redistributive instruments.Result - The main finding of this research is that Islamic banking can optimize financial inclusion using the redistributive instruments of syari'ah banking, namely zakat, Qardul Hasan, and other merit funds. This is indicated by the growth of zakat funds, benevolence funds, and increased qardul hasan financing.Implication - This research can be u

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Fuadi Tanjung, Ahmad, Sugianto Sugianto, and Rahmi Syahriza. "Marketing Strategies of Sharia Peer-to-Peer Lending Fintech in Enhancing Sharia Financial Inclusion: A Case Study of PT. Dana Syariah Indonesia." Dinasti International Journal of Economics, Finance & Accounting 5, no. 3 (2024): 1439–48. https://doi.org/10.38035/dijefa.v5i3.3082.

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This study aims to analyze the marketing strategies employed by PT. Dana Syariah Indonesia in enhancing Sharia financial inclusion through Sharia peer-to-peer lending fintech. The research uses SWOT and QSPM analyses to evaluate the company's strengths, weaknesses, opportunities, and threats in its marketing strategies. The findings reveal that the company has successfully increased access to Sharia financial services by utilizing digital media, offline events, and advanced technology. Despite challenges such as customer complaint management and digital adoption barriers, the company leverages

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Sofilda, Eleonora, Muhammad Zilal Hamzah, and Ari Mulianta Ginting. "Analysis of determining the financial inclusion index of composite, conventional and sharia banking in Indonesia." Banks and Bank Systems 17, no. 1 (2022): 38–48. http://dx.doi.org/10.21511/bbs.17(1).2022.04.

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In Indonesia financial inclusion remains a challenge. This study looked at how the human development index, gross domestic product, and the number of offices of banks affect the financial index in 34 Indonesian provinces for composite, conventional, and sharia banking. This study uses panel data from 2016 to 2019 to address research questions. According to the findings of this study, economic growth, human development index, regional gross domestic product per capita, and bank brances significantly influence the financial inclusion index of the composite banking. Meanwhile, economic growth, hu

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Budianto, Irvan Dian. "Overview Inklusi Keuangan; Studi Literasi Keuangan Syariah Terhadap Masyarakat." Moderasi : Journal of Islamic Studies 2, no. 2 (2023): 220–33. http://dx.doi.org/10.54471/moderasi.v2i2.34.

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Public literacy in Islamic finance is still relatively low, especially in the Islamic banking sector. This causes the market share of Islamic banking to be 5.95 below that of conventional banking. This research topic focuses on the issue of positive or negative influence between Islamic financial inclusion and Islamic financial literacy. In addition, the application of sharia principles is also related to issues that affect sharia financial inclusion. Exposure to sharia literacy and sharia principles has not yet touched all levels of society. The use of Islamic banking services is still not ba

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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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Putri, Ade Arin Capriansyah, Metasari Kartika, and Yarlina Yacoub. "The Influence of Sharia Financial Inclusion and Unemployment Rate on Income Inequality in Indonesia." International Journal of Economics, Business and Management Research 08, no. 06 (2024): 191–202. http://dx.doi.org/10.51505/ijebmr.2024.8612.

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Income inequality can hamper economic growth if it gradually reaches a high point. This research aims to analyze the influence of sharia financial inclusion and unemployment rates on income inequality in Indonesia. The independent variables were measured using data on sharia bank office networks, third party funds, and the open unemployment rate. For the dependent variable, Gini index data obtained from the Financial Services Authority and the Central Statistics Agency is used. The research was conducted from 2016 to 2023 and involved 33 provinces in Indonesia. The method used is quantitative

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Widarwati, Estu, Pindykurnia Sari, and Nunik Nurmalasari. "Role of Financial Inclusion to Stability: The Case of Indonesia’s Sharia Banking." HOLISTICA – Journal of Business and Public Administration 10, no. 1 (2019): 7–15. http://dx.doi.org/10.2478/hjbpa-2019-0001.

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Abstract Public access to the services of financial institutions determines the revenues amount of financial institutions. The growth of bank account helps banks to manage the financing service that provides for the community. This study examines the relationship of financial inclusion and financial stability, especially in Indonesia’s Sharia banking. Financial inclusion defined as community access to financial services which peroxided by deposits, while the financial stability of Sharia banking is measured by Non Performing Financial (NPF). Samples include financial data of 5 sharia banks dur

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Hidayah, Nur, Abdul Azis, Nadhil Novarel Mathari, and Tira Mutiara. "Sharia Financial Literacy And Inclusion In Islamic Boarding Schools Of Rabithah Of Islamic Ma'ahid Of Nahdlatul Ulama DKI Jakarta." Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah 7, no. 1 (2023): 1–15. http://dx.doi.org/10.24252/al-mashrafiyah.v7i1.36027.

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This study aims to determine the index of Islamic financial literacy and inclusion in Islamic boarding schools with a case study at RMI NU DKI Jakarta and analyze the effect of Islamic financial literacy and inclusion on welfare proxied by Maqashid Sharia. Primary data analyzed with descriptive statistics to measure the Islamic financial literacy and inclusion index; and SEM-PLS to analyze the effect of Islamic financial literacy and inclusion on welfare proxied by Maqashid Sharia. The results showed that 34% of respondents had Islamic financial literacy and inclusion index well-literate, 57%

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Hakim, Lukman, Nurrahma Prawwatya, Choirul Huda, Dimas Fajar Safa Fadila, and Muhammad Rizaldi. "The Role of Fintech Lending in Expanding Sharia Financial Inclusion and Human Development in Indonesia." Share: Jurnal Ekonomi dan Keuangan Islam 13, no. 1 (2024): 299. http://dx.doi.org/10.22373/share.v13i1.22548.

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This study investigates the impact of fintech peer-to-peer (P2P) lending on community well-being in Indonesia by analyzing its role in promoting Sharia financial inclusion. Using a quantitative approach, the research analyzes secondary data from 33 provinces in Indonesia spanning 2021-2022. The study employs panel data regression to assess the effects of fintech P2P lending borrower accounts and Gross Regional Domestic Product (GRDP) on Sharia financial inclusion. Additionally, Pearson's correlation analysis examines the relationship between Sharia financial inclusion and the Human Development

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Yoyok Yuli Rianto, Slamet, Windi Juni Alma, Doni Maradona, Muhammad Khirzan Nazar Noe`man, and Winda Puspita Sari Sudradjat. "Sejarah Peran Teknologi dalam Perkembangan Ekonomi Syariah: Inovasi, Implementasi, dan Implikasinya." Journal of Comprehensive Science (JCS) 4, no. 1 (2025): 333–44. https://doi.org/10.59188/jcs.v4i1.2988.

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Sharia economics, which is based on the principles of Islamic law, has undergone significant transformations along with technological advancements. In recent decades, the development of digitalization, including blockchain technology and artificial intelligence (AI), has transformed the Islamic economic sector, especially in terms of transparency, security, and transaction efficiency. This technology supports the expansion of Islamic financial inclusion and accelerates the adoption of sharia-based financial services, such as Islamic digital banking. However, the main challenge faced is how to

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Azizah, Asyifa Nur, Delvi Delviana Saragi, and Yasmin Putri Derin Tsa. "The Effect of Sharia Financial Inclusion on Indonesian Economic Growth." Dinamika Ekonomi 12, no. 2 (2021): 150–59. http://dx.doi.org/10.29313/de.v12i2.7798.

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Financial Inclusion has a role to play in driving economic growth. This study aims to identify and analyze the influence of Islamic banking inclusion in driving economic growth. This study uses a descriptive quantitative method with a literature survey. The data used is secondary data from Sharia Banking Statistics obtained from OJK web and Indonesian Statistics from BPS Web with annual data series from 2011-2020. The results of the study found that together indicators of sharia banking inclusion statically affect economic growth. But when viewed partially, only accessibility indicators statis

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Munawaroh, Sayyidatul, and Ahmad Makhtum. "Analisis Syariah Marketing Mix Arrum BPKB dan Urgensinya dalam Meningkatkan Pendapatan UMKM Nasabah Pegadaian UPS Diponegoro Sumenep." J-MAS (Jurnal Manajemen dan Sains) 9, no. 1 (2024): 772. http://dx.doi.org/10.33087/jmas.v9i1.1807.

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The main objective of this study is to analyse the impact of the Arrum BPKB sharia marketing mix at Pegadaian UPS Diponegoro on the income level of MSME customers.This qualitative case study uses structured interviews to collect primary data from MSME players, complemented by secondary data from institutional records. The focus of the analysis is placed on understanding how the application of Sharia principles in marketing can improve business funding solutions. The application of Sharia Marketing Mix for Arrum BPKB financing has significantly increased customer interest and participation. Int

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Adibah, Alda Naila, and Achmad Zakariya. "Analysis of Economic Improvement through Sharia Economic Resource Development Towards Sustainable Prosperity in Indonesia." Journal of Finance, Economics and Business 3, no. 1 (2024): 98–108. http://dx.doi.org/10.59827/jfeb.v3i1.120.

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This article discusses an analysis of economic improvement through the development of sharia economic resources to achieve sustainable prosperity in Indonesia. With the background of sharia economics as a system that emphasizes common interests and fair distribution of wealth, the article outlines the role of fatwas as a form of regulation in the development of sharia economics in Indonesia. Even though Indonesia has a majority Muslim population, the growth of the sharia banking industry is faced with challenges of sharia banking literacy and inclusion. Using the library research research meth

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Sindi Kristiana and Rahmawati Khoiriyah. "THE INFLUENCE OF SHARIA FINANCIAL LITERACY AND SHARIA FINANCIAL INCLUSION ON THE PERFORMANCE OF UMKM IN MOJOGEDANG DISTRICT." Iqtishaduna : International Conference Proceeding 1 (January 7, 2025): 411–17. https://doi.org/10.54783/jeb1b979.

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MSMEs are very important in supporting economic stability, especially in Mojogedang District. However, inadequate financial planning, difficulty in obtaining capital from financial institutions, and lack of understanding of business finance are challenges that often hinder the performance of MSMEs. Improving knowledge of Islamic finance and Islamic financial inclusion is an important step to solve this problem. The purpose of this study was to determine the performance of micro, small and medium enterprises (MSMEs) in Mojogedang District in terms of Islamic financial literacy and inclusion. On

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Fauzi, Nur, Humaidi, and Mohammad Mahbubi Ali. "Rahn Contract at Sharia Pawnshop in Madura: Analysis of Maqasid al-Shariah, Socio-Cultural Dynamics, and Socio-Economic Impacts." Tribakti: Jurnal Pemikiran Keislaman 36, no. 1 (2025): 103–22. https://doi.org/10.33367/tribakti.v36i1.5263.

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This study examines the implementation of the Rahn contract at Sharia Pawnshops in Madura, focusing on its alignment with the principles of Maqasid al-Shariah, the socio-cultural and religious dynamics influencing perceptions and implementation, as well as the resulting socio-economic impacts. The study is motivated by academic debates regarding the effectiveness of Islamic financial instruments in achieving societal welfare goals. Using a qualitative approach and a case study method, the research gathers data through in-depth interviews, participatory observation, and document analysis. The f

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Widiawati, Widiawati, Ani Nuraini Ani Nuraini, and Arif Haryana Arif Haryana. "Analysis of The Effect Of Sharia Financial Technology (Fintech) on Increasing Literacy and Inclusion of Sharia Financial Inclusion of Msmes in Dki Jakarta." Journal of Entrepreneur and Business 1, no. 1 (2023): 14–24. http://dx.doi.org/10.52643/joeb.v1i1.22.

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The purpose of this study is to analyze the effect of Islamic fintech Digital Payment System services on increasing MSME Islamic financial literacy and inclusion in DKI Jakarta. This research method is quantitative research with smartPLS analysis tool. The population in this study is MSMEs in DKI Jakarta. Sampling technique using purposive sampling technique, which amounted to 100 samples of MSMEs. Data collection techniques using a questionnaire. The results showed that the Digital Payment System variable had a t-statistic effect on Financial Literacy of 4.174. The Digital Payment System vari

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Agustina, Putri. "Implementation of Sharia Principles in Microfinance: A Case Study in Indonesia." Journal of Islamic Economy 1, no. 2 (2024): 25–34. https://doi.org/10.62872/1tyxvb44.

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The purpose of this study is to analyze the implementation of sharia principles in microfinance in Indonesia through the Systematic Literature Review (SLR) approach. The SLR method was chosen because it allows researchers to collect and analyze various related literature systematically, in order to provide a comprehensive picture of the implementation of sharia principles in the microfinance sector in Indonesia. This study identifies relevant literature based on inclusion and exclusion criteria, focusing on studies published in the last 4-5 years that discuss the implementation of sharia princ

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Atika Safira, Yolanda, Yulia Efni, and Fitri Fitri. "Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Inklusi Keuangan Pada Masyarakat Pekanbaru (Studi Pada Investor Saham Syariah Di Pekanbaru)." Bahtera Inovasi 3, no. 2 (2021): 194–206. http://dx.doi.org/10.31629/bi.v3i2.3335.

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This study aims to examine the effect of financial literacy and the use of online trading applications on financial inclusion of sharia stock Investors in Pekanbaru. The sample used in this study was 150 sharia stock Investors in Pekanbaru who use online trading applications in stock transactions. Sampling uses non-probability sampling methods and purposive sampling techniques. The data in this study are quantitative data obtained using a questionnaire and processed by using Partial Least Square Structural Equation Modeling (PLS-SEM). The results of this study indicate that financial literacy

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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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Yulia, Devi, Cory Vidiati, and Mita Nursindi. "The Role of Digital Islamic Economy in Increasing Financial Inclusion in the Fintech Era." Advances In Social Humanities Research 2, no. 12 (2024): 1348–58. https://doi.org/10.46799/adv.v2i12.320.

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This research aims to explore the role of digital Islamic economics in increasing financial inclusion, with a focus on the use of sharia fintech in countries with a majority Muslim population. With a qualitative approach through literature studies, this study identifies how financial technologies that are in line with the principles of Islamic economics can expand access to fair and inclusive financial services. Research findings show that sharia-based fintech, such as sharia microloans, contribute significantly to people's economic empowerment, reduce economic inequality, and encourage greate

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