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All Journal Journal of Islamic Economics and Finance Studies Oikos - Nomos : Jurnal Kajian Ekonomi dan Bisnis el-Jizya: Jurnal Ekonomi Islam Mutanaqishah: Journal of Islamic Banking
Chitra Yuliashri Katili
Faculty of Islamic Economics and Business, IAIN Sultan Amai Gorontalo, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

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THE IMPACT OF ISLAMIC FINANCIAL INCLUSION ON INDONESIAN HUMAN DEVELOPMENT Roni Mohamad; Rifadli D. Kadir; Chitra Yuliashri Katili; Nurul Fadhilah
Oikos Nomos: Jurnal Kajian Ekonomi dan Bisnis Vol 18, No 1 (2025): Juni 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jkeb.v18i1.32416

Abstract

This study seeks to examine the effect of Islamic financial inclusion on human development in Indonesia and to compare its effects between Western and Eastern Indonesia. The research included panel data from 33 provinces spanning the years 2018 to 2023, utilizing a quantitative methodology and a random effects regression model. The Islamic financial inclusion index is developed using the Principal Component Analysis (PCA) approach, including the dimensions of access, availability, and utilization of Islamic banking services. The study's findings indicate that Islamic financial inclusion positively and significantly impacts the Human Development Index (HDI) at both national and regional levels. The Western Indonesia region benefited most from IFI, but the Eastern region experienced a more uneven and lower impact. These results imply that more access to Islamic financial services can enhance people's standard of living, health, and education, all of which can impact their quality of life. The study advocates for the enhancement of Islamic financial infrastructure, the promotion of Islamic financial literacy, and the implementation of policies that address regional inequities.
Financial Inclusion and Poverty Reduction: A Systematic Review of Literature in ASEAN Rifadli D. Kadir; Muhibbuddin; Chitra Yuliashri Katili; Nurul Fadhilah
Mutanaqishah: Journal of Islamic Banking Vol. 6 No. 1 (2026): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v6i1.3658

Abstract

Purpose – This study aims to examine the role of financial inclusion in poverty alleviation within ASEAN countries by synthesizing existing scholarly evidence and identifying research trends, methodological patterns, key findings, policy implications, and future research gaps. Methodology – This study employs a PRISMA-guided Systematic Literature Review using the Scopus database. From 111 initial records, the screening process based on document type, source, language, and topic relevance resulted in 14 peer-reviewed studies selected for systematic analysis. Findings – The review shows that financial inclusion consistently contributes to poverty alleviation in ASEAN by expanding access to savings, credit, fintech, microfinance, and formal financial services. It also supports economic growth, reduces inequality in certain contexts, and helps address energy poverty. Most studies focus on Indonesia and apply quantitative econometric approaches, including panel data analysis, PVAR, FMOLS, AMG, and 2SLS. The dominant theoretical perspectives include endogenous growth theory, financial stability theory, financial innovation, and financial sector development, although several studies do not explicitly state their theoretical framework. Implications– Policymakers should strengthen inclusive access to finance, improve financial literacy, empower microfinance institutions, integrate financial inclusion into sustainable energy policies, and design context-sensitive programs for rural and vulnerable communities. Originality– This review offers a focused synthesis of the limited ASEAN literature on financial inclusion and poverty alleviation and identifies methodological, theoretical, and contextual gaps for future research.
Structure and Evolution of Islamic Insurance Studies: A 10-Year Bibliometrics Review Chitra Yuliashri Katili; Rifadli D. Kadir; Nurul Fadhilah
el-Jizya: Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.13702

Abstract

The investigation analyses the development and scientific framework of Islamic insurance research over the last decade, from 2015 to 2024. The study seeks to assess performance, delineate the scientific themes of Islamic insurance research, and enhance this subject by offering insights on areas for further development. This research integrates both databases, Scopus and Web of Science (WoS), employing RStudio and MS Excel to analyse 366 papers. The study revealed that activity in this field was primarily concentrated in Malaysia; the Journal of Islamic Accounting and Business Research was recognised as the principal source, with Khan designated as the most prominent author in this sector. Furthermore, four primary themes have emerged as focal points for scholars over the past decade, predominantly within the domains of business, management, economics, and social science. The four themes may be further elaborated upon in the future, and this research highlights aspects that have not been extensively explored. This research aims to offer significant insights for the advancement of research and the Islamic insurance sector in the future.
The Impact of Islamic Financial Inclusion on Gender Inequality Reduction in Indonesia Muhammad Syarif H Djauhari; Rifadli D Kadir; Chitra Yuliashri Katili; Edo Segara Gustanto; Luthfia Ayu Karina; Selfia Bintariningtyas; Yeni Puspita
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.14432

Abstract

This study examines whether Islamic financial inclusion contributes to reducing gender inequality across 33 Indonesian provinces during 2018–2023. Using a balanced panel of 198 observations, the Islamic Financial Inclusion Index was constructed through Principal Component Analysis based on accessibility, availability, and usage. At the same time, gender inequality was measured using the provincial Gender Inequality Index. Panel-model selection identified the Common Effect Model as the most appropriate specification. The results reveal regional disparities in Islamic financial inclusion, with DKI Jakarta, Aceh, and West Nusa Tenggara recording the highest levels, while East Nusa Tenggara remained the least inclusive. More importantly, Islamic financial inclusion has a negative and statistically significant association with gender inequality, indicating that provinces with broader access to and use of Islamic financial services tend to exhibit lower gender inequality. These findings extend financial development theory by showing that the equalizing role of financial inclusion also operates within an Islamic financial framework. The study implies that policymakers and Islamic financial institutions should adopt gender-responsive strategies, strengthen women’s effective use of financial services, expand digital and financial literacy, and prioritize underserved provinces.   Studi ini meneliti apakah inklusi keuangan syariah berkontribusi dalam mengurangi ketimpangan gender di 33 provinsi di Indonesia selama 2018–2023. Dengan menggunakan data panel dari 198 pengamatan, Indeks Inklusi Keuangan Islam dibangun melalui Principal Component Analysis (PCA) berdasarkan aksesibilitas, ketersediaan, dan penggunaan. Pada saat yang sama, ketimpangan gender diukur menggunakan Indeks Ketimpangan Gender pada tingkat provinsi. Pemilihan model data panel mengidentifikasi Random Effects Model (REM) sebagai model yang paling tepat. Hasil penelitian ini mengungkapkan kesenjangan regional dalam inklusi keuangan syariah, dengan DKI Jakarta, Aceh, dan Nusa Tenggara Barat mencatatkan tingkat tertinggi, sementara Nusa Tenggara Timur tetap menjadi yang paling tidak inklusif. Lebih lanjut, inklusi keuangan Islam memiliki hubungan negatif dan signifikan secara statistik dengan ketimpangan gender, yang menunjukkan bahwa provinsi dengan akses dan penggunaan layanan keuangan Islam yang lebih luas cenderung memiliki ketimpangan gender yang lebih rendah. Temuan ini memperluas financial development theory dengan menunjukkan bahwa peran penyetaraan inklusi keuangan juga beroperasi dalam kerangka keuangan Islam. Studi ini menyiratkan bahwa pembuat kebijakan dan lembaga keuangan Islam harus mengadopsi strategi responsif gender, memperkuat penggunaan layanan keuangan yang efektif oleh perempuan, memperluas literasi digital dan keuangan, serta memprioritaskan provinsi yang kurang terlayani.
Co-Authors Edo Segara Gustanto Luthfia Ayu Karina Muhammad Syarif H Djauhari Muhibbuddin Nurul Fadhilah Nurul Fadhilah Rifadli D Kadir Rifadli D. Kadir Roni Mohamad Selfia Bintariningtyas Yeni Puspita