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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Ekonomi Manajemen Sistem Informasi International Journal of Economics Development Research (IJEDR) SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Community Development Journal: Jurnal Pengabdian Masyarakat International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Jurnal Minfo Polgan (JMP) Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Eastasouth Journal of Effective Community Services The Es Accounting and Finance West Science Social and Humanities Studies IIJSE Majority Science Journal JER PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Oikonomia : Journal of Management Economics and Accounting Archipel: Journal of Indonesian Interdisciplinary Studies Jurnal Pemberdayaan Kepada Masyarakat
Afrizal Afrizal
Sekolah Tinggi Ilmu Ekonomi Eka Prasetya
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Journal : majority science journal

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THE ROLE OF ISLAMIC FINTECH IN PROMOTING FINANCIAL INCLUSION IN THE DIGITAL ECONOMY ERA Afrizal, Afrizal
MSJ : Majority Science Journal Vol. 3 No. 4 (2025): MSJ-November
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/msj.v3i4.472

Abstract

This study aims to analyze the effect of Islamic fintech adoption on financial inclusion in the digital economy era and to examine the moderating role of sharia financial literacy. A quantitative survey approach was employed using an online questionnaire distributed to users and potential users of Islamic fintech services in Indonesia. Purposive sampling resulted in 241 valid responses. Data were analyzed using hierarchical multiple regression. The findings indicate that Islamic fintech adoption has a positive and significant effect on financial inclusion. Sharia financial literacy also shows a positive and significant impact on financial inclusion. Moreover, sharia financial literacy functions as a moderating variable that strengthens the relationship between Islamic fintech adoption and financial inclusion. These results affirm that Islamic fintech serves as a strategic instrument for broadening financial access; however, its effectiveness is strongly influenced by the level of public understanding of sharia financial principles. Therefore, enhancing sharia financial literacy and developing an inclusive digital ecosystem are crucial in promoting more equitable financial participation.
Co-Authors Acep Fatchuroji Ainil Mardiah Ainun Wulandari Al Munawar Al Munawar Alda Claudia Sagala Alfiana Alfiana Amin Al Jawi Arief Fahmi Lubis Arnes Yuli Vandika Bakti, Rizal Carine Carissa Emily Wijaya Claudie Tiofanny Debi Masri Dedi Lazuardi Desma Erica Maryati Manik Dian Widyantini Earvin John Medina Eka Nurlina Elisabeth Nainggolan Farah Juniati Meutianingrum Fisy Amalia Friend Zakharia Fuadi Fuadi fuadi, Fuadi Helmi Ali Herlambang, Albert Hildawati Hildawati Hildawati, Hildawati Hommy Dorthy Ellyany Sinaga Ihdina Gustina Indra Sulistiana, Indra Jennifer Tantri Jessa Labitad Juliana Nasution Jupert Jasser Abellana Kelvin Lie Lisa Elianti Nasution LISTIANA SRI MULATSIH M. Anas M. Shabri Abd. Majid M.Indra Mulia Nasution Marliyah Marliyah Marliyah, Marliyah Melissa Mangali Melissa Mangali Montaris Silaen Muammar Rinaldi Muh. Aniar Hari Swasono Muhammad Hafiz Abd.Rashid Muhammad Sabir Muhammad Yafiz Nazrantika Sunarto Nuryadin Nuryadin Padila Dwi Kusuma Petrus Loo Phan Bao Giang Rabel Catayoc Rieneke Ryke Kalalo Rifki Ismal Rifky , Sehan Rita Handayani, Rita Rivaldo Rivaldo Romualdus Antonius Geli Koten Rosmaria Rosmaria Sagala, Alda Claudia Saparuddin Siregar Sehan Rifky Shenny Angelina Sinaga, Hommy Dorthy Ellyany Sipnarong Kanchanawongpaisan Soemitra, Andri Sri Rezeki Sri Rezeki Sri Rezeki Stiven Jerry Immanuel Hutabarat Sugianto Sugianto Syahriyal Syahriyal Tanti Widia Nurdiani Yusniar Yusniar