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All Journal Bulletin of Electrical Engineering and Informatics LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum Law and Justice Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi & Keuangan Islam INFOKUM Community Development Journal: Jurnal Pengabdian Masyarakat Journal of Aafiyah Health Research (JAHR) Jurnal Multidisipliner Bharasa Media Journal of General Computer Science (MJGCS)
Sukoco, Bambang
Universitas Muhammadiyah Surakarta
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Beyond access: Islamic financial literacy and women’s empowerment Sukoco, Bambang; Utami, Cahyaning Budi; Ivantri, Madha Adi; Awdalkrem, Alhussain
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 1, January 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss1.art10

Abstract

Purpose – This study examines the effect of Islamic financial literacy on women’s empowerment using Islamic financial inclusion as a mediating variable. In addition, digital financial literacy was examined to capture its complementary role in expanding women’s financial participation.Methodology – Using data of 140 female who were or had been married, this group reflects household decision-making roles and provides valuable insights into women’s empowerment. The relationships among the variables were analyzed using structural equation modeling-partial least squares (SEM-PLS). Findings – The results show that both Islamic financial literacy and digital financial literacy significantly enhance Islamic financial inclusion and women’s empowerment. However, Islamic financial inclusion does not significantly mediate the relationship between literacy (Islamic and digital) and women’s empowerment. Implications – The findings emphasize the need to strengthen financial literacy programs, both digital and Islamic, as part of broader efforts to advance women's empowerment in OIC (Organization of Islamic Cooperation) member countries. Financial institutions and policymakers should integrate literacy initiatives with inclusion strategies to ensure that women fully benefit from Sharia-compliant financial services.Originality – This study provides new evidence linking Islamic financial literacy, digital financial literacy, and Islamic financial inclusion to explain women’s empowerment. This offers insights into the pathways through which literacy and inclusion interact, particularly in the context of Islamic finance.
Co-Authors Ahmad Faruk Alwi, Muhammad Khidri Arman Arman Arni Rizqiani Rusydi Awdalkrem, Alhussain Budi Setiawan Dedi Gunawan Diah Priyawati Fatah Yasin Al Irsyadi Hermawan, Ian Aji Isandra, Nariza Islam, Syful Madha Adi Ivantri, Madha Adi Muhammad Yasin Munawar, Zaid Nur Rohmah, Arini Nurhaedar Jafar Pramono, Kamiran Pratama, Raka Jumersyah Putra, Hengkky Restu Qoway, Octiana Atika Sitti Patimah Utami, Cahyaning Budi Yusuf Sulistyo Nugroho