Peran Literasi Keuangan Syariah dalam Meningkatkan Adopsi Fintech dan Keuangan Digital: Implikasi terhadap Inklusi Keuangan Syariah di Provinsi Aceh
DOI:
https://doi.org/10.55606/jurrie.v4i2.7094Keywords:
Islamic financial literacy, fintech, digital finance, Islamic financial inclusionAbstract
This study investigates the role of fintech and digital finance as intermediary variables in the influence of sharia financial literacy on increasing sharia financial inclusion in Aceh Province. This study examined 308 respondents spread across various regions of Aceh Province and analyzed using SEM AMOS and a purposive sampling technique. After conducting various tests, this study demonstrated that sharia financial literacy, fintech, digital finance, and sharia financial inclusion have been well-functioning. Sharia financial literacy has been proven to enhance fintech, digital finance, and sharia financial inclusion in Aceh. Correspondingly, fintech and digital finance also have a positive and significant impact on sharia financial inclusion. Furthermore, fintech and digital finance have also been shown to partially mediate the relationship between sharia financial literacy and sharia financial inclusion
Downloads
References
Alawi, N. M., Asih, V. S., & Sobana, D. H. (2020). Pengaruh literasi keuangan dan inklusi mahasiswa UIN Sunan Gunung Djati Bandung terhadap penggunaan sistem financial technology. Jurnal MAPS (Manajemen Perbankan Syariah), 4(1), 36-44.
Astari, N. P. R. P., & Candraningrat, I. R. (2022). Pengaruh fintech terhadap kinerja keuangan umkm dengan literasi keuangan sebagai variabel moderasi. Jurnal Manajemen Stratejik dan Simulasi Bisnis, 3(1), 68–81.
Atkinson, A., & Messy, F. (2013), “Promoting Financial Inclusion through Financial Education: OECD/INFE Evidence,Policies and Practice”, OECD Working Papers on Finance.
Azizah, L. A., Azizah, N., & Yuliana, I. (2022). The effect of financial literature on financial inclusion mediated by financial technology. International Conference of Islamics and Business 8th, 509-517.
Banna, B., & Roy, C. K. (2023). Measuring fintech-driven financial inclusion for developing countries: Comprehensive Digital Financial Inclusion Index (CDFII). Economis Journal of Emerging Markets, 15(2), 143–159. https://doi.org/10.20885/ejem.vol15.iss2.art3
Bank Indonesia, Surat Edaran No.18/22/DKSP. Penyelenggaraan Layanan Keuangan Digital. 2016.
Braunstein, S. & Welch, C. Vicky. (2002). Financial Literacy: An Overview of Practice, Research, and Policy. Federal Reserve Bulletin 446.
Budi, M. A. S., Andi, M., & Maulana, M. T. (2025). Marketing technology and literacy as key drivers of SME market penetration. Journal of Innovation in Business and Economics, 9(1), 165-174. https://doi.org10.22219/jibe.v9i01.37060
Bunyamin, E., & Mesut, M. (2017). Financial inclusion and islamic finance: A Survey of islamic financial literacy index. International Journal of Islamics and Finance Studies, 3(2), 33-54. https://doi.org/10.25272/j.2149-8407.2017.3.2.02
Dhermawan, I., Anugraini, M. Khusnah, H., & Muttaqin, N. (2024). Efek mediasi financial technology pada pengaruh literasi keuangan terhadap kinerja keuangan UMKM Kabpuaten Gresik. Accounting and Management Journal, 8(2), 1-15.
Dorfleitner, Hornuf, Schmitt, & Weber. (2017). Retrieved From CourseHero: https://www.coursehero.com/.
Ferdinand, A. 2014. Structural Equation Modeling dalam Penelitian Manajemen, Edisi ketiga, Fakultas Ekonomi UNDIP, Semarang.
Gomber, P., Koch, J.-A. & Siering, M. (2017). Financial digital and FinTech: Current research and future research directions. Journal of Business Economics. Springer Berlin Heidelberg, 87(5), 537–580. https://doi.org/10.1007/s11573-017-0852-x.
Grohmann, K., & Menkhoff (2018). Does financial literacy improve financial inclusion? cross country evidence. World Development, 84-96.
Hijir, P. S (2022). Pengaruh literasi keuangan terhadap perilaku keuangan dengan financial technology (Fintech) sebagai variabel intervening pada UKM di Kota Jambi. Jurnal Manajemen Terapan dan Keuangan, 11(1), 147-156.
Hsueh. (2017). Effective matching for P2P lending by mining strong association rules. Proceedings of the 3rd International Conference on Industrial and Business Engineering, 30-33. Retrieved from https://www.coursehero.com/.
Islam, K. M. A., & Khan, M. S. (2024). The role of financial literacy, digital literacy, and fiancial self-efficacy in fintech adoption. Investment management and financial innovations, 21(2), 370-380. https://doi.org/10.21511/imfi.21(2)2024.30
Lenka, S. K., & Barik, R. (2018). Has expansion of mobile phone and internet use spurred financial inclusion in the SAARC Countries? Financial Innovation, 4(1). https://doi.org/10.1186/s40854-018-0089-x.
Lestari, D. A., Purnamasari, E. D., & Setiawan, B. (2020). Pengaruh payment gateway terhadap kinerja keuangan UMKM. Jurnal Bisnis, Manajemen, dan Ekonomi, 1(1), 1–10. https://doi.org/10.47747/jbme.v1i1.20
Lingga, Murti Ali (2019). Kolaborasi Perbankan dan Teknologi keuangan Bisa Tingkatkan Literasi Keuangan. [online: https://ekonomi.kompas.com/read/2019/02/21/221400926/kolaborasi-perbankan-dan-fintech-bisa-tingkatkan-literasi-keuangan]. Akses 26 April 2020.
Lyons, A. C., Palmer, L., Jayaratne, K. S., & Scherpf, E. (2017). Are we making the grade? A national overview of financial education and program evaluation. Journal of Consumer Affairs, 40(2):208–35
Moreno-García E, Hernández-Mejía S, & Salazar Núñez H. F. (2024). Financial literacy and financial fragility in Mexico. REMEF. https://doi.org/ 10.21919/remef.v19i1.958.
Mugambi, A., Njunge, C., & Yang, S. C. (2014). Mobile-money benefits and usage: The case of M-PESA. IT Professional, 16(3), 16–21. https://doi.org/10.1109/MITP.2014.38
Octavina, L. A., & Rita, M. R. (2021). Digitalisasi UMKM, literasi keuangan, dan kinerja keuangan: Studi pada masa pandemi Covid-19. Journal of Business and Banking, 11(1), 73–92.
OECD (2016), “OECD/INFE International Survey of Adult Financial Literacy Competencies”, OECD, Paris.
OECD INFE. (2011). Measuring Financial Literacy: Core Questionnaire in Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting an Internationally Comparable Survey of Financial Literacy. Paris: OECD.
Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329–340. https://doi.org/10.1016/j.bir.2017.12.003
Mindra, R., & Moya, M. (2017) Financial self-efficacy: a mediator in advancing financial inclusion. Equality, Diversity and Inclusion: An International Journal, 36(2), https://doi.org/10.1108/EDI-05-2016-0040
Rahim, S. H. A., Rashid, R. A., & Hamed, A. B. (2016). Literasi keuangan syariah and its Determinants among University Students: An Exploratory Factor Analysis. International Journal of Economics and Financial Issues, 6(7S), 32–35. Retrieved from https://www.econjournals.com/index.php/ijefi/article/view/3572
Senyo, P. K., & Osabutey, E. L. C. (2020). Unearthing antecedents to financial inclusion through innovations. Technovation, https://doi.org/10.1016/j.technovation.2020.102155
Senyo, P. K., Osabutey, E. L. C., & Seny Kan, K. A. (2021). Pathways to improving financial inclusion through mobile money: a fuzzy set qualitative comparative analysis. Information Technology and People, 34(7), 1997–2017. https://doi.org/10.1108/ITP 06-2020-0418
Sharma, D. (2016). Nexus between financial inclusion and economic growth. Journal of Financial Economic Policy, 8(1), 13-36.
Shen, Y., Hueng, C. J., & Hu, W. (2019). Using digital technology to improve financial inclusion in China. Applied Economics Letters, 1-5. https://doi.org/10.1080/13504851.2019.1606401.
Suyanto, S., & Kurniawan, T. A. (2019). Faktor yang mempengaruhi tingkat kepercayaan penggunaan fintech pada UMKM dengan menggunakan technology acceptance model (TAM). Akmenika: Jurnal Akuntansi Dan Manajemen, 16(1).
Tariq, S., Saleem, F., & Shahzad, F. (2022). Does digital finance and financial inclusion strengthen environmental sustainability: Evidence from Asia. Pakistan Journal of Social Research, 4(4). https://doi.org/10.52567/pjsr.v4i04.847
World Bank (2014). Global Financial Development Report 2014: Financial Inclusion. Washington, DC: World Bank.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Jurnal Riset Rumpun Ilmu Ekonomi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
