Peran Literasi Keuangan Islam dalam Adopsi Layanan Keuangan Digital: Analisis Bibliometrik dan Tinjauan Literatur
Abstract
Abstract: This study aims to examine the role of Islamic financial literacy in encouraging the adoption of digital financial services through a library research approach with an integrative review method. This review synthesizes findings from various scholarly articles published between 2015 and 2024 and obtained from trusted databases such as Google Scholar, Scopus, DOAJ, and Scispace. Strict inclusion and exclusion criteria were applied to ensure the relevance and quality of the sources. The analysis shows that Islamic financial literacy plays an important role in shaping trust and encouraging the use of sharia-based digital financial services. The understanding of sharia principles such as the prohibition of usury, fairness and transparency is a crucial factor in the adoption process. However, the study also found literacy gaps and limited access to education in some regions. This study highlights the importance of strengthening Islamic financial literacy as a foundation for the development of an inclusive and sustainable Islamic digital finance ecosystem. The findings provide practical implications for regulators, service providers and stakeholders in designing educational strategies and policies based on Islamic values.
Abstrak: Penelitian ini bertujuan untuk mengkaji peran literasi keuangan Islam dalam mendorong adopsi layanan keuangan digital melalui pendekatan library research dengan metode integrative review. Kajian ini menyintesis temuan dari berbagai artikel ilmiah yang dipublikasikan antara tahun 2015 hingga 2024 dan diperoleh dari basis data terpercaya seperti Google Scholar, Scopus, DOAJ, dan Scispace. Kriteria inklusi dan eksklusi diterapkan secara ketat untuk memastikan relevansi dan kualitas sumber. Hasil analisis menunjukkan bahwa literasi keuangan Islam berperan penting dalam membentuk kepercayaan serta mendorong penggunaan layanan keuangan digital berbasis syariah. Pemahaman terhadap prinsip syariah seperti larangan riba, keadilan, dan transparansi menjadi faktor krusial dalam proses adopsi tersebut. Namun, kajian juga menemukan adanya kesenjangan literasi dan keterbatasan akses edukasi di sejumlah wilayah. Studi ini menyoroti pentingnya penguatan literasi keuangan Islam sebagai fondasi bagi pengembangan ekosistem keuangan digital syariah yang inklusif dan berkelanjutan. Temuan ini memberikan implikasi praktis bagi regulator, penyedia layanan, dan pemangku kepentingan dalam merancang strategi edukatif dan kebijakan berbasis nilai-nilai syariah.
Keywords
Full Text:
DOWNLOAD [PDF]References
Anindita, N., Sukmaningrum, P. S., & Rusmita, S. A. (2024). Impact of Islamic Financial Literacy, Money Attitude, and Social Environment on Young Muslim Couples' Financial Planning. Airlangga Journal of Innovation Management.
Anwar, U. A. A., Sakova, M., Solikin, I., & Rani, A. M. (2022). Risk management in islamic financial technology. JMD : Jurnal Riset Manajemen &Amp; Bisnis Dewantara, 5(2), 67-82. https://doi.org/10.26533/jmd.v5i2.985
Burairoh, S. A., Suzanti, L., & Widjayatri, R. D. (2024). Optimalisasi kemampuan literasi keuangan melalui kegiatan menabung pada anak usia 5-6 tahun. Aulad: Journal on Early Childhood, 7(1), 190-198. https://doi.org/10.31004/aulad.v7i1.632
Butt, H. A., Sadaqat, M., & Shear, F. (2023). Does islamic financial development foster economic growth? international evidence. Journal of Islamic Accounting and Business Research, 14(6), 1013-1029. https://doi.org/10.1108/jiabr-10-2022-0267
Chong, F. H. L. (2021). Enhancing trust through digital islamic finance and blockchain technology. Qualitative Research in Financial Markets, 13(3), 328-341. https://doi.org/10.1108/qrfm-05-2020-0076
Fitria, F. and Uyun, M. (2024). Faktor-faktor yang mempengaruhi perencanaan keuangan islam. Jesya, 7(1), 598-607. https://doi.org/10.36778/jesya.v7i1.1397
Firdausi, M. R. A., & Kasri, R. A. (2023). Islamic Financial Literacy Amongst Muslim Students in Indonesia: A Multidimensional Approach. AL-MUZARA'AH.
Suhasti, W., Muhamad, R., Penggalih, R., Handayani, L. F., & Nugroho, A. P. (2022). The Influence of Islamic Financial Literacy on The Use of Digital Financial Services in Yogyakarta. ICASI.
Fadillah, A. N., & Suryomurti, W. (2023). The Influence of Sharia Financial Literacy and Fintech Lending Services on the Financial Behavior of Muslim Communities. IJIBE.
Hasibuan, P. S. N., Rinawati, L., & Harno, R. (2023). Digital finance adoption strategy in sharia bpr. Journal of Humanities Social Sciences and Business (Jhssb), 2(3), 404-415. https://doi.org/10.
Hapsari, M. I., Mahmud, A. H., Herianingrum, S., Fauzy, R. M. Q., Hamid, S. N. A., Prabaswara, A., … & Masfiyah, L. M. (2023). Antecedents of islamic welfare: productivity, education, and the financial aspect. International Journal of Islamic and Middle Eastern Finance and Management, 17(1), 63-85. https://doi.org/10.1108/imefm-07-2022-0299
Kanwal, A., Tayyab, M., & Idrees, S. (2023). Exploring the nexus of financial technologies, financial inclusion, and blockchain in islamic finance within digital transformation. Pakistan Journal of Humanities and Social Sciences, 11(4). https://doi.org/10.52131/pjhss.2023.1104.0675
Nawaz, T. (2018). Lifting the lid on financial inclusion: evidence from emerging economies. International Journal of Financial Studies, 6(2), 59. https://doi.org/10.3390/ijfs6020059
Maraliza, H. (2024). The effect of islamic financial socialization and education on public interest in using islamic banking services. Nomico, 1(8), 113-124. https://doi.org/10.62872/dgtfr826
Muslichah, M., Putra, Y. H. S., Abdullah, R., & Usry, A. K. (2023). Islamic financial literacy and financial inclusion: examining the intervening role of financial self-efficacy. International Journal of Islamic Economics and Finance (IJIEF), 6(2), 181-200. https://doi.org/10.18196/ijief.v6i2.16384
Nurfadilah, D. and Samidi, S. (2021). How the covid-19 crisis is affecting customers’ intention to use islamic fintech services: evidence from indonesia. Journal of Islamic Monetary Economics and Finance, 7. https://doi.org/10.21098/jimf.v7i0.1318
Putri, M. E., & Hanif, H. (2024). The Role of Financial Technology in Promoting Growth in Islamic Finance in the Digital Era. Al Fiddhoh: Journal of Banking, Insurance, and Finance.
Purnama, H. M. and Yuliafitri, I. (2019). Efektivitas gerakan literasi keuangan syariah dalam mengedukasi masyarakat memahami produk keuangan syariah. Banque Syar'i : Jurnal Llmiah Perbankan Syariah, 5(1), 10. https://doi.org/10.32678/bs.v5i1.1937
Triani, A. and Mulyadi, H. (2019). Peningkatan pengalaman keuangan remaja untuk literasi keuangan syariah yang lebih baik. I-Finance: A Research Journal on Islamic Finance, 5(1), 9-22. https://doi.org/10.19109/ifinace.v5i1.3714
Yulianto, A. S., Siswanti, I., Risman, A., & Sihombing, P. R. (2024). The influence of sharia financial literacy and sharia financial inclusion through islamic fintech on sharia financial transactions on bus in indonesia. Turk Turizm Arastirmalari Dergisi. https://doi.org/10.26677/tr1010.2024.1379
Yohanna, L., Sondari, E., & Syahid, S. (2023). The importance of designing islamic financial education m-learning for increasing islamic financial literacy. Advances in Economics, Business and Management Research, 157-169. https://doi.org/10.2991/978-94-6463-234-7_16
DOI: https://doi.org/10.31764/jseit.v5i2.30783
Refbacks
- There are currently no refbacks.
Copyright (c) 2025 Indri, Ahadiah Agustina, Nur Fitri Hidayanti, Zaenafi Ariani, Ahmad Hulaimi, Novi Yanti Sandra Dewi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Journal of Sharia Economy and Islamic Tourism
http://journal.ummat.ac.id/index.php/jseit
Email: [email protected] || WA: +62 819-0691-8915
Universitas Muhammadiyah Mataram
Jl. KH. Ahmad Dahlan No.1, Pagesangan, Kec. Mataram, Kota Mataram, Nusa Tenggara Bar. 83115, Indonesia.