Indonesian Journal of Multidisciplinary Sciences
Vol. 5 No. 2 (2026): Indonesian Journal of Multidisciplinary Sciences (IJoMS)

Analysis of Understanding of Sharia Financial Literacy and Trust in the Use of Sharia Fintech among Employees of the El Fajr Quran House Education Foundation, Palembang

Bagus Setiawan (Al Azhar University Lubuk Linggau)
Ria Astina (Universitas Islam Negeri Raden Fatah Palembang)
Cindi Pramita (El Fajr Foundation Palembang)



Article Info

Publish Date
25 Jul 2026

Abstract

This study aims to analyze the understanding of Islamic financial literacy and trust in the use of Islamic fintech among employees of the El Fajr Quran House Education Foundation in Palembang. The study used a qualitative approach with descriptive methods. Data were collected through observation, interviews, and documentation of purposively selected employees. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The research results show that most employees understand the basic concepts of Islamic financial literacy, particularly regarding the prohibition of usury (riba), gharar (gharar), and maysir (gambling). However, understanding of Islamic fintech products and services remains diverse. Trust in the use of Islamic fintech is influenced by compliance with Islamic principles, system security, ease of use, information transparency, and the legality of the provider. Good Islamic financial literacy also increases employee confidence in utilizing Islamic fintech services. Therefore, increased education and outreach regarding Islamic fintech are needed to improve user understanding and trust, thereby supporting financial activities in accordance with Islamic economic principles.

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Journal Info

Abbrev

IJOMS

Publisher

Subject

Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Description

Indonesian Journal of Multidisciplinary Sciences is a scientific journal published by CV. Era Digital Nusantara. The papers to be published in IJoMS are research articles (quantitative or qualitative research approaches), literature studies or original ideas that are considered to contribute to ...