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Fadilah Aini Insani
Faculty of Economics and Business Universitas Muhammadiyah Purwokerto, Indonesia
Economics, Econometrics & Finance

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Determinants of Islamic Financial Inclusion: The Mediating Role of Islamic Financial Awareness in Baitul Maal Wat Tamwil Banyumas Fadilah Aini Insani; Bima Cinintya Pratama; Iwan Fakhruddin; Dwi Winarni
E-Jurnal Akuntansi Vol. 36 No. 8 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJA.2026.v36.i08.p04

Abstract

This study aims to examine the influence of islamic financial knowledge and religiosity on islamic financial inclusion, with islamic financial awareness serving as a mediating variable, among Baitul Maal Wat Tamwil members in Banyumas Regency. The study sample consisted of 90 active BMT account holders in Banyumas Regency selected using purposive sampling with cross-sectional data. The results show that islamic financial knowledge and islamic financial awareness have a positive and significant effect on islamic financial inclusion, while religiosity has no significant effect. Islamic financial knowledge also has a positive effect on islamic financial awareness, while religiosity is not significant. Islamic financial awareness was found to mediate the relationship between islamic financial knowledge and islamic financial inclusion, but not religiosity.
Co-Authors Bima Cinintya Pratama Dwi Winarni Iwan Fakhruddin