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All Journal Almana : Jurnal Manajemen dan Bisnis
Nurlaila
Universitas International Batam
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Financial Literacy and Financial Anxiety on Access to Islamic Financing, Mediated by Risk Attitude Dewi Khornida Marheni; Nurlaila; Johny Budiman
Almana : Jurnal Manajemen dan Bisnis Vol. 10 No. 2 (2026): August
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v10i2.3064

Abstract

Access to Islamic financing remains a challenge for Sharia financial institutions, even as the industry and Sharia banks continue to grow. Although the majority of the Indonesian population is Muslim, this does not mean that everyone uses Sharia banks. Factors such as financial literacy, financial anxiety, and risk attitude also influence individuals' use of Sharia banks. This study aims to analyze the influence of financial literacy and financial anxiety on access to Islamic financing, with risk attitude serving as a mediator. Employing a quantitative approach, the study utilized a sample of 411 respondents, supplemented by interviews with two individuals to support the analysis. Respondents were selected using purposive sampling, specifically targeting individuals who utilize Sharia banking services, and the data were analyzed using SEM-PLS with SmartPLS software. The results indicate that financial literacy has a significant positive effect on access to Islamic financing, including a positive effect mediated by risk attitude; conversely, financial anxiety showed no significant effect on access to Islamic financing. Interview findings also corroborate the influence of financial literacy on access to Sharia banking services. This study offers significant implications for the development of Sharia-compliant financial services and for individual access to them.
Co-Authors Johny Budiman Marheni, Dewi Khornida