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Journal : Journal of Management and Islamic Finance

ISLAMIC BANK FINANCING ACCESS AND FINANCIAL LITERACY ON MSME GROWTH: DIGITAL LITERACY AS MODERATOR Abdillah Nurul Bahri; Muhammad Ridha Irsyadillah; Khoirul Anwar
Journal of Management and Islamic Finance Vol. 5 No. 1 (2025): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v5i1.12230

Abstract

This study aims to analyze the influence of access to Islamic bank financing and Islamic financial literacy on the growth of MSMEs in Semarang City, as well as examine the role of digital literacy as a moderation variable. The background of this research is based on the low level of utilization of sharia financing and financial literacy by MSMEs actors, as well as the importance of digital literacy in supporting business success in the digital era. This study uses a quantitative approach with primary data collected through an online questionnaire and analyzed using the Partial Least Square (PLS) method through the SmartPLS application. The research sample consisted of 102 MSMEs actors selected based on the Slovin formula. The results of the study show that access to Islamic bank financing and Islamic financial literacy have a positive and significant influence on the growth of MSMEs. However, digital literacy does not have a direct effect on the growth of MSMEs and is also unable to moderate the relationship between access to financing and financial literacy to the growth of MSMEs significantly. This shows that digital literacy has not played an optimal role as a reinforcing variable in this context. This research provides important implications for Islamic financial institutions, local governments, and MSMEs actors in designing financial and digital capacity building strategies to encourage more sustainable and competitive business growth.  
Co-Authors Abdillah Afabih Abdillah Nurul Bahri Abdul Wafi Abdullah . Achmad Agus Priyono Adi Iskandar Adi Wahyu Wardani Aditya Ramadhan Ahmad Hariyadi, Ahmad Ahmad Muthohar Ahmadi M Ainun Nur Baiti Akhsan Akhsan Alif Rahman Habibi Andrea Rahmadani Anggia Azizah Ani Rosita Apriansyah Asgap Aqnes Budiarti Asa Alvi Zahroh Ashari Ashari Asrorul Mais Avivah Nur Avnida Maulana Awali Nur Misbahudin Ayu Shabrina Azhar Ahmad Smaragdina Azizul Berlyansah Badjuri Badjuri Bidzlamira Dita Centrisia Budi Prasetya Candra Hadi Asmara Dadi H Maskar Deri Silvia Dharmawan Dharmawan Dharu Arseno Diah Retno Ningsih Dian Ahkam Sani Didik Dwi Prasetya Dimas Ersantyo Dio Resya Baaqii Dwi Prebrianti Dwi Sasongko Mardiono Dwi Widiyasari Eef Putra Jaya Elena Kristianto Ella Amelia Widodo Endang Tyasmaning Eni Winarsih Erny Kencanawati Faiq Fauzilla Faradilla Ulya Mudyana Fatmah. K Febri, Febriarti Setiya Putri Felicitas Sri Marniati Fitria Mauilida Gatut Setiadi Hadi Sunaryo Haryadi Haryadi Heni Pujiastuti Heni Yuli Handayani Heroweti, Junvidya Hery Sahputra Hidayatullah, Fajar Hilman Auzan Mulyono Hufron Ibrahim Arifin Inna Hamida Zusfindhana Irwanda Yuni Pungkiarto Isti Rahayu Jamhuri Jihan Fitriyah Junaidin Sirza, La Ode Muhammad Laily Ramadhanty Latifatul Karimah Lazim N Lazim N Lena Marianti Lisatul Aulia Lusmino Basia M. Aji Sadewo M. Ajie Kalifatullah M. Darul Fathoni M. Lathif Bashar M. Naqsyabandi S Mahdum Zahid MARIA ULFAH Masrokhin Meyla Nur Vita Sari Moh Alif Rizkiyanto Moh Ata Khoirlana Moh. Mofid Moh. Nur Zamzami Mohamad Khoiron Mohammad Rizanto Juliarsyah Mohammad Zoqi Sarwani Mona Fathia Muawanah, Arofatul Mufidatul Ahada Muhamad Subhi Apriantoro Muhamad Zainudin Abdul Medjid Muhammad Fajar Purnama Muhammad Ikhsan Muhammad Mahrus Ali Muhammad Ridha Irsyadillah Muhammad Rifqy Asrul Muhammad Rohmat Hidayat Muhammad Salman Alfarisi Muhammad Udin Nachwan Mufti Adriansyah Neneng Munifah S Neneng Munifah Sholilah Nihayatut Tasliyah Nindy Sabrina Nirwanto Maruf Nisa Noor Amalia Nola Gabriella Hutapea Novi Ramadani Novy Inti Fauziah Nur ‘Azah pengelola, pengelola Puja Kusuma Putri Ramayanti Rahma Amalia Aslam Rahmad Nur Setiawan Ratna Kumala Setyaningum Rifki Khoirudin Rindra Risdiantoro Salwiyah . Septyaningrum Septyaningrum Sigit Perdana Sirojuddin Abror Siti Dahlia Sri Irawati Sri Mulyani Sri Suwarni Subaidi Sukarman Sulthon Faryabi Nurbadri suparman suparman Syakilah Al Mutawakkil Arifin Titiek Suheta Urva Fresiva Vian Hanes Andreastya Vivien Carin Wahyu Ramadhani Rambe Walid, Achmad Wira Fazri Rosyidin Witri Winanda Wiwik Sri Handayani Wulida Ainur Rofiq Yeni Ira Santi Yeshika Maharani Yurisa Martanti Yushardi Yusnita Rahayu Zaenah Amala Ummi Robihah Zizi Nurhikmah