Niqosiya: Journal of Economics and Business Research
Vol. 5 No. 1 (2025): January-June 2025

The Role of Financial Literacy and Fintech in Sharia Financial Inclusion: A Case Study in Babadan Ponorogo

Laila Husna Zahratul Muna (UIN Kiai Ageng Muhammad Besari Ponorogo)
Ratna Yunita (UIN Kiai Ageng Muhammad Besari Ponorogo)



Article Info

Publish Date
24 Jun 2025

Abstract

Introduction: Financial inclusion is the availability of public access to financial services products that suit their needs. Islamic financial literacy and financial technology are factors that can affect the level of financial inclusion. If Islamic financial literacy and financial technology increase, Islamic financial inclusion will also increase. However, in reality, the results of interviews with several people in Babadan District, Ponorogo Regency, show that increasing Islamic financial inclusion is not accompanied by good Islamic financial literacy and financial technology. The purpose of this study is to analyze the influence of Islamic financial literacy and financial technology on Islamic financial inclusion. This study uses a quantitative research approach. The sampling technique in this study is probability sampling. Sampling in this study, using the Slovin formula, a sample of 100 respondents was obtained. The results of the study show that Islamic financial literacy has no effect on Islamic financial inclusion. This is evidenced by the results of the t-test. Financial technology has a significant positive effect on Islamic financial inclusion. Islamic financial literacy and financial technology simultaneously have a significant positive effect on Islamic financial inclusion. The regression model is declared feasible because it can significantly explain variations in dependent variables.

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Journal Info

Abbrev

niqosiya

Publisher

Subject

Description

Scope of study of scientific writings by students or collaboration of students and lecturers in the form of research on Islamic economic studies, Sharia economics, Sharia banking, zakat and waqf management in the realm of Islamic economics and business studies as well as scientific ...