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All Journal Lentera Demokrasi: Jurnal Ilmu Sosial, Politik, Hukum, Ekonomi dan Pemerintahan
Sumarta Sumarta
Universitas Pelita Bangsa Bekasi
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of Islamic Banking in Promoting Financial Inclusion Ranisya Cika Alfiani; Siti Lestari; Sumarta Sumarta; Hudallah Hudallah
Lentera Demokrasi: Jurnal Ilmu Sosial, Politik, Hukum, Ekonomi dan Pemerintahan Vol. 2 No. 1 (2026)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/ld.v2i1.37

Abstract

This study aims to analyze the role of Islamic banking in encouraging financial inclusion in Indonesia. Financial inclusion is the main focus of economic development programs, with the aim of providing broader and more equitable financial access for all levels of society. This study is motivated by the still limited level of financial inclusion in Indonesia, especially for people who have not been served by formal financial institutions. The purpose of this study is to identify the contribution of Islamic banks in expanding financial access and to understand the obstacles and opportunities faced. This study uses a qualitative approach with secondary data analysis, including Islamic bank financial reports, data from the Financial Services Authority (OJK), and related literature reviews. This study also uses a qualitative approach to gather in depth insights on this topic. Qualitative data were analyzed using Strauss and Corbin’s grounded theory, which involved three main steps: open coding, axial coding, and selective coding. The main findings indicate that Islamic banks have a strategic role in increasing financial inclusion through inclusive Sharia-based products, such as microfinance, interest-free savings, and technology-based digital services. The implication is that improving Islamic financial education and developing digital technology are needed to expand the reach of services. In conclusion, Islamic banks play an important role in supporting financial inclusion by providing financial access to underserved communities. Better collaboration, regulatory support, and development of Sharia-compliant financial products can expand financial inclusion.
Sharia Financial Literacy as an Ethical Pillar of the Urban Muslim Economy in the Digital Era Vaniesa Febriyawati; Farras Lulu Ramadhani; Sumarta Sumarta; Farhan Farhan
Lentera Demokrasi: Jurnal Ilmu Sosial, Politik, Hukum, Ekonomi dan Pemerintahan Vol. 2 No. 1 (2026)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/ld.v2i1.38

Abstract

This study aims to examine the role of Islamic financial literacy in shaping economic ethics among urban Muslims in the digital era. In the context of increasingly complex financial life and the deepening penetration of technology in urban society, Islamic financial literacy serves as a critical foundation for fostering ethical economic behavior based on Islamic principles. The research adopts a qualitative design using a descriptive approach and library research, analyzing both classical and contemporary literature on Islamic economics, Islamic ethics, and urban financial behavior. The main findings reveal that a higher level of Islamic financial literacy positively correlates with ethical decision-making, especially regarding the use of sharia- compliant digital financial services. The study also identifies challenges such as gaps in conceptual understanding and the dominance of conventional financial products in the digital market. The implications highlight the need for more systematic and integrated educational strategies to enhance awareness and engagement of urban Muslims in the Islamic economic ecosystem. The study concludes that Islamic financial literacy is not merely a technical knowledge component but a spiritual instrument that sustains the integrity of economic life in the modern era.
Co-Authors Farhan Farhan Farras Lulu Ramadhani Hudallah Hudallah Ranisya Cika Alfiani Siti Lestari Vaniesa Febriyawati