Financial Inclusion of Muslim Communities in Indonesia
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Abstract
This study investigates the influence of Islamic financial literacy, religious commitment, and digital technology application on the financial inclusion of Muslim communities in Indonesia. Using a quantitative approach, data were collected from 150 respondents through a structured questionnaire employing a five-point Likert scale. The relationships among variables were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). The findings reveal that Islamic financial literacy significantly enhances financial inclusion by strengthening individuals’ capability to evaluate and adopt Sharia-compliant financial products. Religious commitment also demonstrates a positive effect, indicating that higher adherence to Islamic beliefs increases the likelihood of engaging in ethical and Sharia-based financial services. Among the predictors, digital technology application shows the strongest impact, highlighting the critical role of digital platforms in expanding financial access for Muslim communities. The study contributes to the growing literature on Islamic finance by integrating behavioral, religious, and technological dimensions. The results provide practical implications for policymakers, Islamic financial institutions, and fintech developers to design inclusive strategies that enhance financial well-being and promote Sharia-compliant financial participation in Indonesia.
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