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Islamic Financial Literacy, Islamic Financial Inclusion and Micro-Business Performance

Author

Listed:
  • Elida Elfi Barus

    (STAI Syeikh H.Abdul Halim Al-Ishlahiyah, Indonesia)

  • Murah Syahrial

    (IAI Lukman Edi, Pekanbaru, Indonesia)

  • Evan Hamzah Muchtar

    (STAI Asy-Syukriyyah, Tangerang, Indonesia)

  • Budi Trianto

    (STEI Iqra Annisa, Pekanbaru, Indonesia)

Abstract

Esta investigación tiene como objetivo analizar el papel del componente de alfabetización financiera islámica en la creación de inclusión financiera y el desarrollo de microempresas en Indonesia. En este estudio se empleó un diseño de investigación transversal y se recolectaron datos de 138 microempresas ubicadas en Pekanbaru, Indonesia. Los datos se analizaron mediante análisis de ruta y se adoptó IBM SPSS 26 para probar la hipótesis. Este estudio reveló que solo dos de los componentes de alfabetización financiera islámica influyen positivamente y significativamente en la inclusión financiera islámica. Este estudio también encontró que solo un componente de la alfabetización financiera islámica influye positiva y significativamente en el desempeño de las microempresas. Otros hallazgos muestran una relación positiva y significativa entre la inclusión financiera islámica y el desempeño de las microempresas. Este estudio indica que el componente de la educación financiera islámica desempeña un papel importante en la promoción de la inclusión financiera islámica, que es necesaria para el crecimiento de las microempresas en Indonesia. El propietario o gerente de microempresas debe aumentar su alfabetización financiera islámica a través de diversos programas de capacitación. Este es el primer estudio en Indonesia en investigar el papel de la literaria financiera islámica en la inclusión financiera y el desarrollo de microempresas. Este estudio tiene limitaciones en cuanto al tamaño de la muestra y la ubicación de la investigación.

Suggested Citation

  • Elida Elfi Barus & Murah Syahrial & Evan Hamzah Muchtar & Budi Trianto, 2024. "Islamic Financial Literacy, Islamic Financial Inclusion and Micro-Business Performance," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-24, Enero - M.
    • Handle: RePEc:imx:journl:v:19:y:2024:i:1:p:10
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/967
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    References listed on IDEAS

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    More about this item

    Keywords

    Educación Financiera Islámica; Inclusión Financiera Islámica; Desarrollo de Microempresas; Indonesia;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • M13 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - New Firms; Startups

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