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All Journal Oikos - Nomos : Jurnal Kajian Ekonomi dan Bisnis Mutanaqishah: Journal of Islamic Banking
Nurul Fadhilah
Faculty of Islamic Economics and Business, IAIN Sultan Amai Gorontalo, Indonesia
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.
Co-Authors Chitra Yuliashri Katili Muhibbuddin Rifadli D Kadir Roni Mohamad