AGILITY STRATEGY: INVESTMENT DIVERSIFICATION APPROACH TO SHARIA FINANCIAL INCLUSION

Yuyun Ristianawati (Corporate Management, STIE Totalwin, Semarang)
Setyo Budi Hartono (Faculty of Islamic Economics and Business, Walisongo State Islamic University, Semarang)

International Journal of Economics, Business and Accounting Research (IJEBAR)
Vol 7, No 2 (2023): IJEBAR, VOL. 07 ISSUE 02, JUNE 2023

The emergence of financial inclusion in Islamic financial institutions has rendered the financial services offered suboptimal. Decisions available to Islamic financial institutions can determine the form of financial inclusion, the strengths of financial intermediation, and the realization of financial intermediation in investment diversification pathways in the challenges faced by financial intermediation. The study was conducted in Islamic financial institutions, using indicators of the financial inclusion dimension to find non-financial financing methods. The results show that the challenges of FI, the benefits of FI, and the perception of FI have a positive and significant impact on Agility's strategic diversification investment. This suggests that addressing financial inclusion requires an approach that goes beyond financial measures.