TRANSFORMASI DIGITAL EKONOMI SYARIAH DALAM MENINGKATKAN INKLUSI KEUANGAN: PERAN LITERASI KEUANGAN DIGITAL DAN KEPERCAYAAN MASYARAKAT
Keywords:
transformasi digital; ekonomi syariah; literasi keuangan digital; kepercayaan masyarakat; inklusi keuangan syariah; Islamic fintech; SEM-PLS.Abstract
Transformasi digital telah mengubah ekosistem ekonomi dan keuangan syariah melalui perkembangan Islamic digital banking, Islamic fintech, pembayaran digital, dan berbagai layanan keuangan berbasis teknologi. Namun, ketersediaan teknologi tidak secara otomatis menghasilkan inklusi keuangan karena keberhasilan pemanfaatannya juga dipengaruhi oleh kemampuan masyarakat memahami layanan digital dan tingkat kepercayaan terhadap penyedia layanan. Penelitian ini bertujuan menganalisis pengaruh transformasi digital ekonomi syariah terhadap inklusi keuangan syariah serta menguji peran literasi keuangan digital dan kepercayaan masyarakat sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan Structural Equation Modeling–Partial Least Squares (SEM-PLS). Model melibatkan transformasi digital ekonomi syariah sebagai variabel eksogen, literasi keuangan digital dan kepercayaan masyarakat sebagai mediator, serta inklusi keuangan syariah sebagai variabel endogen. Instrumen terdiri atas 29 indikator dengan skala Likert lima poin. Untuk pengembangan dan pengujian model dalam naskah ini digunakan data simulasi sebanyak 400 responden. Hasil simulatif menunjukkan hubungan positif transformasi digital dengan inklusi keuangan syariah (β=0,286; p<0,001), literasi keuangan digital (β=0,650; p<0,001), dan kepercayaan masyarakat (β=0,684; p<0,001). Literasi keuangan digital (β=0,247; p<0,001) dan kepercayaan masyarakat (β=0,371; p<0,001) juga berhubungan positif dengan inklusi keuangan syariah. Kedua mediator menunjukkan indirect effect yang signifikan, masing-masing 0,161 dan 0,254. Nilai R² inklusi keuangan syariah sebesar 0,617. Temuan ini menunjukkan bahwa transformasi digital perlu dikembangkan sebagai ekosistem yang menggabungkan teknologi, literasi, kepercayaan, keamanan, perlindungan konsumen, dan kepatuhan syariah. Karena hasil menggunakan data simulasi, seluruh temuan kuantitatif perlu dikonfirmasi dengan data lapangan aktual.
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