Islamic Financial Literacy and Financial Inclusion as Determinants of Islamic Mobile Banking Adoption among Madrasah Tsanawiyah Teachers in South Lampung
Keywords:
Financial Literacy, Sharia Financial Literacy, Financial Inclusion, Sharia Financial Inclusion, Sharia Mobile Banking, South LampungAbstract
The development of digital technology has driven the transformation of financial service systems, including in the Islamic banking sector through the use of mobile banking. However, the level of Islamic financial literacy and inclusion remains an important factor in determining the optimal use of these services. This study aims to analyse the level of Islamic financial literacy, the level of Islamic financial inclusion, and the level of Islamic mobile banking usage among teachers at State Madrasah Tsanawiyah in South Lampung Regency. This study uses a quantitative approach with descriptive analysis methods. The results of the study indicate that the level of Islamic financial literacy among teachers at State Madrasah Tsanawiyah in South Lampung reached 80.77% and was classified as good. The level of Islamic financial inclusion was also classified as very good, with a percentage of 81.61%, indicating that access to and utilisation of Islamic financial services has been running well. Meanwhile, the level of Islamic mobile banking usage reached 82.72% and was classified as very good, indicating that digital-based Islamic banking services have been used optimally by respondents. This study is expected to contribute academically to the development of Islamic economic studies and serve as a basis for consideration by educational institutions and policy makers in strengthening Islamic financial literacy and inclusion in a sustainable manner.
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