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All Journal Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Journal of Business Management and Islamic Banking
Annisa Nur Salam
Unknown Affiliation
Economics, Econometrics & Finance Education

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Does Financial Literacy Influence Houswife Intention To Use The Islamic Financing? With Trust As A Moderating Variable Annisa Nur Salam; Siti Nur Azizah
Journal of Business Management and Islamic Banking Vol. 2 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v2i2.2069

Abstract

Research Aims: This study aims to analyze the effect financial literacy on the houswife intention to use islamic financing with trust as a moderating variable. Methodology: This study involved 358 housewife respondent in 32 Indonesian provinces. The model used was based on the theory of reasoned action development with the partial least squares structural equation modeling as the data processing tool. Research Findings : Housewives' financial literacy influences mothers' intentions to use Islamic bank financing products. Originality: Although numerous studies have concentrated on financial literacy and the use of sharia financing, the behaviour of houswife and the high number of housewife loans to informal institutions concern academics and practitioners. This research can highlight the importance of financial literacy for housewives can avoid applying for loans to informal institutions, so sharia financing can be a suitable alternative. Research limitation and implication: The study discovered that financial literacy with variabel ability, attitude and knowledge affect the intention of houswife to use the Islamic financing. Meanwhile, the trust variable failed to moderate the housewife's ability to use Islamic financing. The trust variable was not successful in moderating the attitude and knowledge of the housewife to use Islamic financing. Meanwhile the trust variable significantly moderates the attitude towards the financing variable with a significance
The Role Of Digital Financial Services In Accelerating Womens Economic Empowerment In Indonesia: What Is Left To The Learn Nur Azizah, Siti; Annisa Nur Salam
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i2.46437

Abstract

The rapid growth of digital financial services provides opportunities for advancing gender equality more broadly. This is because digital financial services (DFS) are increasingly accessible to homemakers who do not have bank accounts. So that can use it can use to reduce gender disparities in accessing finance and advance women's economic empowerment (WEE) within their households and local economies, this study aims to examine the effect of digital financial services (DFS) on Women's Economic Empowerment. This study uses descriptive statistical analysis. Descriptive statistics seek a complete and accurate description of a situation and are needed to identify the distribution and behavior of the data held. Collected the secondary data from various sources to study the role of digital financial services in Indonesia like 120 women who use smartphones, are homemakers and are active in social organizations in Indonesia, such as account holders who use digital payments to pay their electricity bills, pay motorbike bills and shop for various household needs. The results of this study indicate that the use of digital financial services has a positive effect on reducing the gender gap and on women's economic empowerment.
Co-Authors Siti Nur Azizah Siti Nur Azizah, Siti