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All Journal Equilibrium PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Journal of Islamic Business Management Studies (JIBMS) Jurnal Intisabi KHITABAH: Khazanah Penelitian Perbankan Syariah Journal of Elementary Education: Strategies, Innovations, Curriculum, and Assesment Referensi Islamika: Jurnal Studi Islam Journal of Islamic Economic Development
Ihrom Jaelani
Program Studi Perbankan Syariah, STAI Putra Galuh Ciamis
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences

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DAMPAK LITERASI KEUANGAN SYARIAH DAN AKSESIBILITAS DIGITAL TERHADAP INKLUSI PERBANKAN SYARIAH CIAMIS Acim Acim; Akmaludin Akmaludin; Ihrom Jaelani
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.280

Abstract

This study aims to analyze and empirically test the effect of Islamic financial literacy and digital service accessibility, both partially and simultaneously, on Islamic banking financial inclusion among the community in Ciamis Regency. The research approach used is quantitative with a causal associative method. Since the exact population size is unknown, the minimum sample size was determined using the Cochran formula, which was then rounded to 100 respondents using a purposive sampling technique. Primary data collection was conducted through the distribution of a structured Likert-scale questionnaire. The collected data were analyzed using classical assumption tests, multiple linear regression analysis, and hypothesis testing with the assistance of IBM SPSS software. The results showed that partially, Islamic financial literacy had a positive and significant effect on Islamic banking financial inclusion (t = 2.702; sig = 0.008). Similarly, digital service accessibility proved to have a partial positive and highly dominant significant effect (t = 11.461; sig = 0.000). Simultaneously, both variables significantly influenced Islamic banking financial inclusion in Ciamis Regency (F = 96.330; sig = 0.000). The R Square value of 0.665 indicates that the combined cognitive contribution of Islamic financial literacy and digital accessibility infrastructure in explaining variations in Islamic banking financial inclusion is 66.5%, while the remaining 33.5% is explained by other variables outside this research model. The conclusion of this study confirms that expanding Islamic banking financial inclusion in semi-urban areas requires an absolute balance between strengthening the spiritual values of Islamic finance and providing reliable digital technology infrastructure.
Co-Authors Acim Acim Acim Acim Acim, Acim Adi Saputra Agus Kuncoro Akmaludin Akmaludin Asep Nursobah Asep Nursobah, Asep Asep Saepudin Ekawati, Kania Feriansah, Rival Gojali, Dudang Harismawati Amini Hasan Bisri Hasan, Mustofa Kikin Mutakin Kikin Mutakin Kuncoro, Agus Lestari Sri Mubaarok, Saeful Huda Nur Jamiel, Harun Nurlaela Ira Nurrohman Syarif, Nurrohman Purbayani, Rini Rahmawati, Untari Reni Farida Yanti Ridwan, Ahmad Hasan Rukoyah, Siti Sari Damayanti Yunus Rusyana, Ayi