PENGARUH LITERASI DAN INKLUSI KEUANGAN SYARIAH TERHADAP KEMANDIRIAN EKONOMI PEREMPUAN PELAKU UMKM DI KOTA JAMBI - Tiara Assyfa; Paulina Lubis; Yusuf Zaini Aprizal (Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah, 2026)
Abstrak Penelitian ini bertujuan menganalisis pengaruh literasi keuangan syariah dan inklusi keuangan syariah terhadap kemandirian ekonomi perempuan pelaku UMKM di Kota Jambi. Pendekatan yang digunakan bersifat kuantitatif dengan jenis penelitian asosiatif kausal. Populasi penelitian adalah perempuan pelaku UMKM yang menggunakan layanan keuangan syariah, dengan sampel 96 responden ditentukan berdasarkan rumus Lemeshow dan rekomendasi PLS-SEM. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan Partial Least Squares-Structural Equation Modeling. Hasil evaluasi Outer Model menunjukkan seluruh indikator valid dan reliabel. Inner Model memperlihatkan literasi keuangan syariah berpengaruh positif dan signifikan (t = 5,201; p = 0,000), demikian pula inklusi keuangan syariah (t = 4,264; p = 0,000). Secara simultan, kedua variabel memiliki pengaruh sangat kuat terhadap kemandirian ekonomi perempuan dengan R² = 0,872 dan Adjusted R² = 0,869, artinya 87,2% variasi kemandirian ekonomi dapat dijelaskan oleh literasi dan inklusi keuangan syariah. Nilai predictive relevance (Q²) > 0 menunjukkan kemampuan prediktif model baik. Kesimpulannya, penguatan literasi dan perluasan inklusi keuangan syariah terbukti efektif mendorong kemandirian ekonomi perempuan pelaku UMKM di Kota Jambi. Kata Kunci: Inklusi Keuangan Syariah, Kemandirian Ekonomi Perempuan, Literasi Keuangan Syariah, PLS-SEM, UMKM Kota Jambi.   Abstract This study aims to analyze the effect of Islamic financial literacy and Islamic financial inclusion on the economic independence of female MSME entrepreneurs in Jambi City. The research employs a quantitative approach with a causal-associative design. The population consists of female MSME entrepreneurs using Islamic financial services, with a sample of 96 respondents determined using the Lemeshow formula and PLS-SEM recommendations. Data were collected through Likert-scale questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling. Outer Model evaluation indicated that all indicators were valid and reliable. The Inner Model results show that Islamic financial literacy has a positive and significant effect (t = 5.201; p = 0.000), as does Islamic financial inclusion (t = 4.264; p = 0.000). Simultaneously, both variables strongly influence female economic independence, with R² = 0.872 and Adjusted R² = 0.869, meaning 87.2% of the variation in economic independence is explained by financial literacy and inclusion. Predictive relevance (Q²) > 0 indicates good predictive capability. In conclusion, strengthening Islamic financial literacy supported by broader financial inclusion is an effective strategy to enhance the economic independence of female MSME entrepreneurs in Jambi City. Keywords: Islamic Financial Inclusion Female Economic Independence, Islamic Financial Literacy, PLS-SEM, MSMEs in Jambi.