Journal of Ekonomics, Finance, and Management Studies
Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam

Strategi Peningkatan Inklusi Keuangan Syariah Melalui Platform Digital di Kalangan Pendidik Perempuan SMK Kabupaten Pati

Winarno Suryo Edi Subroto (Institut Teknologi Dan Bisnis Ahmad Dahlan Jakarta)
Yayat Sujatna (Institut Teknologi Dan Bisnis Ahmad Dahlan Jakarta)



Article Info

Publish Date
04 Jun 2026

Abstract

This study aims to analyze strategies for improving Islamic financial inclusion through the utilization of digital platforms among female teachers at Vocational High Schools (SMK) in Pati Regency. This research employs a descriptive qualitative approach supported by simple quantitative data (mixed method), involving 90 respondents obtained through interviews, questionnaires, and documentation. The results indicate that the level of Islamic financial literacy is still dominated by the moderate category (47.8%), followed by the low category (27.8%) and the high category (24.4%). Meanwhile, 64.4% of respondents have utilized digital platforms, although 35.6% have not used them optimally. These findings suggest that digital platforms play a strategic role in enhancing Islamic financial inclusion, although their utilization is not yet evenly distributed. Therefore, integrated strategies are required, including strengthening digital-based Islamic financial literacy, practical training in the use of digital financial services, integration of financial literacy into Vocational High Schools (SMK) learning, collaboration with Islamic financial institutions and fintech, and strengthening digital literacy. Thus, the utilization of digital platforms can serve as an effective solution to improve Islamic financial literacy and inclusion sustainably while reinforcing the role of teachers as literacy agents within educational and community environments.

Copyrights © 2026






Journal Info

Abbrev

elmal

Publisher

Subject

Religion Economics, Econometrics & Finance

Description

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam mempublikasi hasil riset dan kajian terkini bidang ekonomi, keuangan, manajemen dan bisnis Islam. Mulai 2011, jurnal ini terbit tiga kali setahun setiap Maret, Juli dan November. Jurnal ini dikelola oleh Pusat Riset dan Kajian Strategis (PRKS) Masyarakat ...