The Effect Of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion

Basrowi, Basrowi; Suryanto, Tulus; Anggraeni, Erike; Nasor, M.

doi:10.29240/alfalah.v5i2.1669

Cited by 6 publications

(3 citation statements)

References 24 publications

(25 reference statements)

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“…Halal tourism "Halal" refers to anything that does not violate Islamic law and is permissible for use in daily life (Jumani and Sukhabot, 2020;Bogan and Sarıısık, 2019). Islam exerts a substantial amount of influence on the attitudes and actions of Muslims in their day-to-day lives, notably when it comes to respecting the laws and duties that are outlined in Islamic law (Sharia Law) (Basrowi et al, 2020;Junaidi, 2020;Hassan et al, 2018). The term "Halal" is from the Arabic language and refers to Islamic practices that are legal, acceptable and deemed healthful (Al-Ansi et al, 2019).…”

Section: Literature Reviewmentioning

confidence: 99%

Perceptions of Halal-friendly attributes: a quantitative study of tourists’ intention to travel non-Islamic destination

Soonsan,

Jumani

2024

JIMA

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Purpose Thailand's Halal-friendly destination attributes are the focus of this study. The purpose of this study is to investigate the impact of Halal-friendly attributes on tourists’ intentions to visit non-Muslim destinations. Also, this study analyzes the impact of Muslim tourists’ attitudes on Halal-friendly characteristics and their intentions to visit countries that are not predominantly Muslim. Design/methodology/approach To accomplish objectives, a survey was used to gather the data by using a convenient non-probability sampling approach from Muslim-majority countries Malaysia, Indonesia and Brunei. A proposed structural equation model was used to assess the influence of the variables above on the outcomes. Findings This study found that the factors of Halal-friendly facilities and Halal-friendly service positively influence the visiting intentions of Indonesian, Malaysian and Brunei Muslim tourists. In contrast, the social environment, food/beverages and local and staff attributes do not influence visit intentions. The tourist attitude mediates the relationship between the intention to visit and three dimensions of Halal-friendly attributes (social environment; food/beverage; and locals and staff). Research limitations/implications This study did not investigate different kinds of dimensions for Muslim tourists visiting Thailand, such as preferences regarding personnel and families, cultural and artistic characteristics and the attributes of events and festivals. These dimensions cover a wide range of Halal-friendly tourism aspects. Second, this research did not investigate the associations between the demographics of Muslim tourists (age, gender, education level and income level) and the model variables. Such an investigation could have helped business developers and marketers in Thailand develop an efficient strategy for target marketing. The results of this research provide fundamental guidance and information for tourist enterprises in non-Muslim nations on how to enhance Muslim travellers’ images and intentions. However, because of the influence of other variables, locations in various areas of Asia, Africa and Europe may exhibit somewhat different effective qualities (e.g. environment, culture, history, etc.). Practical implications This study sheds light on the factors contributing to visitor satisfaction in the context of a desire to go to a Halal-friendly site. This insight from this study can be adapted and applied by tourism managers and marketing executives to build or develop the Halal-friendly destination image of a tourist destination (Phuket) in the right dimensions. It is a possibility that the image of a tourist attraction has a tight relationship with travelers’ perceived value, contentment and loyalty (Hsu et al., 2008; Khunrattanaporn, 2013; Pike, 2008). Battour et al. (2022) found that Muslims’ behavioural intentions are affected by the Halal attributes of the destination. It indicates that Halal attributes are very important for Muslim tourists when selecting a destination. To attract Muslim tourists, this study can be used for strategies and planning. Originality/value This study sheds fresh light on the concept of Halal tourism. It examines the perspective of Muslim tourists using Halal goods or services in anticipation of a future trip to a non-Muslim location (Phuket). This study is crucial for destination tourism operators, managers and marketers who lead Muslim tourists to non-Muslim destinations.

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Section: Literature Reviewmentioning

confidence: 99%

Perceptions of Halal-friendly attributes: a quantitative study of tourists’ intention to travel non-Islamic destination

Soonsan,

Jumani

2024

JIMA

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“…Financial inclusion is significantly impacted by financial literacy. Islamic inclusion is enhanced by Islamic financial knowledge (Basrowi et al, 2020). With digital technology, the growth of financial inclusion will proliferate.…”

Section: Literation and Asymmetric Informationmentioning

confidence: 99%

Challenges in the Implementation of Mudharabah Financing in the Islamic Banking Industry

KHALİFAH,

ASLAN,

ABDULLAH

2024

Ekinoks

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In recent decades, the proliferation of Islamic banking has rendered it a significant entity in the global financial arena, captivating numerous entrepreneurs and businesses with its ethically distinctive financing alternatives. Several Islamic financial institutions adhere robustly to the profit-sharing principle, notably via mudharabah, in product financing. This research paper explains why mudharabah contracts are used in Islamic banking products, focusing on financing schemes, literacy, and the lack of equal access to information. Moreover, within the context of Islamic FinTech, this research highlights high business risk as a pronounced impediment to the efficacious implementation of mudharabah. In addition, this study offers a rigorous analysis of the issues and challenges endemic to mudharabah financing, venturing into perspectives from regulators and Islamic bank customers. This paper utilized a literature review methodology, and data extracted from relevant literature is systematically analyzed to evaluate mudharabah products as a viable business financing model. Conclusively, the insights derived from this research are positioned to formulate strategic recommendations, fostering advancements in implementing mudharabah contracts within Islamic product financing.

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“…One way that can be done to overcome these problems is by creating new entrepreneurs. The benefits of being an entrepreneur in addition to supporting daily needs are also participating in assisting the government in reducing unemployment which increases every year because there are fewer jobs compared to working age and graduates are always increasing (Basrowi et al, 2020) According to Akhirfiarta (2017), citing Gilster, groups digital literacy into four core competencies, namely;…”

Section: B Digital Literacymentioning

confidence: 99%

The effect of human agility, digital literature, curriculum and the role of the family on the interest of the millennial generation in entrepreneurship through capabilities as intervening variables

Suherman

Yusuf

2021

JEBL

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The business environment continues to change rapidly and uncertainly, therefore, in order to exist, in the world of entrepreneurship, the millennial generation needs to have the capability to be able to exploit change and agility in action, or what is known as agility. Furthermore, with the support of knowledge of the rapidly growing digital world, nowadays, it is a determining factor for success in entrepreneurship. In particular, the issue of education and the role of the family that encourages the emergence of an entrepreneurial spirit in the millennial generation are also important factors that deserve to be reviewed. The data used by researchers in this study is primary data obtained through distributing questionnaires to active students at Pamulang University. Data collection was carried out in March 2021 and the analysis used using Structural Equation Model (SEM) analysis with the SmartPLS 3.0 software tool. Based on the results of the study, the human agility variable has a significant effect on entrepreneurial capabilities and interests, digital literacy variables only have a significant effect on capabilities, curriculum variables do not affect entrepreneurial capabilities or interests, family role variables only have a significant effect on capabilities, and capability variables affect entrepreneurial interests. However, the intervening variable capability is a good variable to influence the millennial generation's interest in entrepreneurship.

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The Effect Of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion

Cited by 6 publications

References 24 publications

Perceptions of Halal-friendly attributes: a quantitative study of tourists’ intention to travel non-Islamic destination

Perceptions of Halal-friendly attributes: a quantitative study of tourists’ intention to travel non-Islamic destination

Challenges in the Implementation of Mudharabah Financing in the Islamic Banking Industry

The effect of human agility, digital literature, curriculum and the role of the family on the interest of the millennial generation in entrepreneurship through capabilities as intervening variables

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