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All Journal Technomedia Journal J-MACC : Journal of Management and Accounting JURNAL PENDIDIKAN TAMBUSAI Rayah Al Islam : Jurnal Ilmu Islam Jurnal Bina Bangsa Ekonomika Journal Islamic Economics Ad Diwan Journal of Applied Management Research Jurnal Integrasi Sumber Daya Manusia Journal of Islamic Business Management Studies (JIBMS) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Tadribuna: Journal of Islamic Management Education
Mastur Mastur
Universitas Darunnajah
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Inklusi Keuangan dan Literasi Keuangan Syariah di Era Digital: Analisis Dampaknya terhadap Pertumbuhan Ekonomi M. Wanri Wahyudin; Mastur Mastur; Vivi Ulfatul Aziz; Sutia Arini; Rima Devi Yani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i8.12937

Abstract

The development of digital technology has driven transformation in the financial system, including within the Islamic finance sector. In this context, Islamic financial literacy and financial inclusion are important factors that can enhance public participation in the formal financial system and support economic growth. However, the levels of Islamic financial literacy and financial inclusion among the public remain relatively low, which may hinder the optimal contribution of Islamic finance to the economy. This study aims to analyze the impact of Islamic financial literacy and financial inclusion on economic growth in the digital era. The research employs a quantitative approach using multiple linear regression analysis with the assistance of SPSS software. The data were collected through questionnaires distributed to respondents who met the research criteria. The results show that Islamic financial literacy has a positive and significant effect on economic growth, indicating that increased public understanding of Islamic financial concepts and products can encourage more productive economic activities. Furthermore, financial inclusion also has a positive and significant effect on economic growth, suggesting that broader access to formal financial services contributes to increased economic activity. The findings of this study indicate that improving Islamic financial literacy and expanding access to financial services, particularly through digital financial technology, can serve as an important strategy in promoting more inclusive and sustainable economic growth.
Co-Authors Ahmad Farid, Zaki Aina Rizqiya Rahmah Andi Aziz Anggun Nurma Dinda Dzulfikar Dzulfikar Eka Fitriani Fuad Ahmad Riva'i Hasan Hasan Hasim Abdul Jamil Idham M. Wanri Wahyudin Mega Muhardi Miftah Ahmad Muhammad Alfianur Opik Piqhi Puput Wulandari Putra Hafidz Ranthy Pancasati Rapika Dewi Rima Devi Yani Risya Oriza Sativa Sabrina Rahma Kamiswari Salmy, Muskhairillah samiyono Siti Rubiyati Sofwan Manaf Suniati Suniati Sutia Arini Tika Mariska Vivi Ulfatul Aziz Yusuf Riesata Ziana Firdaus