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All Journal RESLAJ: Religion Education Social Laa Roiba Journal
Vidya Ramadhan Putra Pratama
Universitas Ekuitas Indonesia, Indonesia
Religion Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Sharia Financial Inclusion as a Moderating Variable of The Influence of Sharia Financial Literacy on The Decision To Use Sharia Services Vidya Ramadhan Putra Pratama; Rabiyatul Jasiyah; Yeni Indraningtyas; Liza Utama; Nadjah Thalib
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 4 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i4.12089

Abstract

This study aims to analyze the role of Islamic financial inclusion in moderating the relationship between Islamic financial literacy and people's decisions to use Islamic financial services. Amidst the growth of the global Islamic economy, Indonesia faces the challenge of a significant gap between the level of Islamic financial literacy and inclusion. This study uses a quantitative approach with a survey method of Islamic financial service users. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) to test the moderating effect. The results of the literature synthesis indicate that high Islamic financial literacy does not automatically increase the decision to use Islamic services without adequate accessibility through financial inclusion. Islamic financial inclusion is predicted to strengthen the positive influence of literacy on consumer decision-making. This study provides a theoretical contribution to the development of consumer behavior theory in Islamic economics and provides practical implications for regulators in formulating a national strategy for Islamic financial inclusion.
The Effect of Financial Literacy on Cryptocurrency Investment Intention: The Mediating Role of Perceived Risk Vidya Ramadhan Putra Pratama
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 9 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i9.13462

Abstract

This study examines the effect of financial literacy on cryptocurrency investment intention and tests whether perceived risk mediates the relationship. A quantitative cross-sectional survey was conducted among 40 active cryptocurrency investors in Indonesia. The model was estimated using variance-based Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.29. The measurement model satisfied reliability, convergent validity, and discriminant validity requirements. The structural model shows that financial literacy has a positive and significant effect on investment intention (β = 0.700; p < 0.001) and, unexpectedly, also has a positive and significant effect on perceived risk (β = 0.703; p < 0.001). Perceived risk does not significantly affect investment intention (β = 0.003; p = 0.495), and the indirect effect of financial literacy through perceived risk is insignificant (β = 0.002; p = 0.495). These findings indicate that financially literate crypto investors may recognize more risks without becoming less willing to invest. Accordingly, financial literacy may operate primarily as a decision-enabling and risk-recognition capability rather than through a risk-reduction mechanism. The study contributes to the literature by distinguishing risk awareness from risk avoidance among active cryptocurrency investors and highlights the need for investor education that emphasizes risk-management competence.
Co-Authors Jasiyah, Rabiyatul Liza Utama Nadjah Thalib Yeni Indraningtyas