Literasi Keuangan Syariah dan Inklusi Keuangan UMKM di Wilayah Tuban
DOI:
https://doi.org/10.62007/joumi.v4i1.947Keywords:
business type; financial inclusion; Islamic financial literacy; MSMEs.Abstract
This study examines the relationships between five dimensions of Islamic financial literacy and MSME financial inclusion and evaluates the moderating role of business type. An explanatory quantitative approach with a cross-sectional design was employed. Data were collected through questionnaires administered to 240 MSME owners and managers selected using proportionate stratified random sampling based on subdistrict and business category. The data were analyzed using multiple linear regression and moderated regression analysis. The findings demonstrate that knowledge of Islamic financial products, understanding of contracts, profit-sharing knowledge, productive zakat and waqf literacy, and basic financial knowledge are positively and significantly associated with financial inclusion. The model explains 61.1% of the variation in financial inclusion. Knowledge of Islamic financial products is the strongest predictor (β = 0.341), followed by understanding of contracts (β = 0.289). Business type also significantly moderates the relationship between literacy and financial inclusion. These findings emphasize the need for literacy programs tailored to specific products, contracts, and business characteristics.
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