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All Journal JAM : Jurnal Aplikasi Manajemen JBTI : Jurnal Bisnis : Teori dan Implementasi EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton Jurnal Informasi dan Teknologi Media Agribisnis Jurnal Ilmiah Manajemen Kesatuan Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Bisnisman : Riset Bisnis dan Manajemen Journal for Lesson and Learning Studies Jurnal Ekonomi Indonesian Journal of Community Services Cel International Education Trend Issues SABAJAYA Jurnal Pengabdian Kepada Masyarakat Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Jurnal Pengabdian Masyarakat Berkarya Journal Economics Technology and Entrepreneur Jurnal Pengabdian Masyarakat dan Riset Pendidikan RESLAJ: Religion Education Social Laa Roiba Journal INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Jasiyah, Rabiyatul
Universitas Muhammadiyah Buton
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Transportation Other

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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.
Co-Authors A. Asrijal Abdullah, La Ode Dedi Abdullah, Rudi Abubakar Betan Afiful Ikhwan ANDRI ASTUTI Azaluddin, Azaluddin Bahari, Samsul Bakri, Asri Ady Bertha Mundung Binar Dwiyanto Pamungkas, Binar Dwiyanto Christina I.T. Panggabean Daholu, Ahmad Dina Mayadiana Suwarma Dyah Vierdiana Ema Yudiani Emma Rumahlewang Fadli, Andi Muh Dzul Farawowan, Fauziah F Ferry WF Waangsir Gordius Ago Haetami, Haetami Hasddin Hasddin, Hasddin Henny Herawati Hierdawati, Trie I Wayan Sujana I Wayan Sujana Indra Rustiawan Ivonne Ayesha Juamdan Zamha Zamihu Junaid, Asriyani Katjina, Husnah kosilah, Kosilah Krista Alifa Setyaningrum La Kasman Lia Hanifa Liza Utama Lutfi Alhazami Malik, Ernawati MAURITZ PANDAPOTAN MARPAUNG Mayunita, Sry Mirad mulyadi ar Murini Nadjah Thalib Ni Made Arniase Ningtyas, Septiana Nur Salma, Nur Nur'aini Nurdin P NURUL HIKMAH Oesman Raliby Oktavyanti, Ns Dwi Pardana, Deki Pratiwi, Endang Tri Purnomo, Yudiyanto Joko Ratna Ayu Dewi Rieneke Ryke Kalalo Rusmardiana, Ana Saediman Saifullah Saifullah Saputra, Nanda Siti Aisyah Sitti Hasnah Slamet Riyadi Soegiarto, Ita Suharmono, Soni Sultraeni, Wiwin Suriadi Suriadi Suriadi Suriadi Suriadi Suriadi SYUSANTIE SYLFIA SAIRDAMA Tetelepta, Edward Gland Tri Pratiwi, Endang Vidya Ramadhan Putra Pratama Wijiastuti, Retno Dewi Yeni Indraningtyas