<![CDATA[This study examines the role of Sharia literacy as a form of social capital in strengthening Islamic financial inclusion, with a comparative lens between Indonesia and several Muslim-majority countries. Sharia literacy is conceptualized not only as an understanding of Islamic financial principles and products, but also as a moral and spiritual awareness that shapes trust, solidarity, and social responsibility within Muslim communities. Although Indonesia aspires to become a global hub for Islamic economics, national Islamic financial literacy remains low at 9.10%, far behind conventional literacy levels. This gap reveals challenges in transforming knowledge into inclusive financial behavior. Through a quantitative associative approach, this study highlights how Sharia financial literacy and Islamic social capital jointly influence Islamic financial inclusion. The literature shows that Sharia literacy enhances ethical financial decision-making, while social capital accelerates the diffusion of trusted information and strengthens community engagement in Sharia-compliant financial systems. Comparative insights indicate that Malaysia excels in structured financial education, Türkiye emphasizes ethical-social integration, and Pakistan and Bangladesh grow through community-based Islamic microfinance. Meanwhile, Indonesia faces additional digital-era challenges, including religious misinformation that weakens trust and social cohesion. The findings reinforce that strengthening Sharia literacy requires integrated strategies—formal education, digital literacy, ethical media engagement, and collaboration between government, academia, and Islamic financial institutions. Overall, this study underscores that Sharia literacy, when supported by strong social capital, functions as a foundational driver for a just, inclusive, and sustainable Islamic financial ecosystem in modern Muslim societies.]]>
