The Role of Islamic Financial Literacy in Promoting Financial Inclusion among MSMEs Actors: A Case Study in Kuningan Regency
Keywords:
Islamic Financial Literacy, Financial Inclusion, Social Capital, MSMEs, Kuningan RegencyAbstract
The gap between Islamic financial literacy and inclusion among Indonesian MSME actors represents a significant challenge in realizing an inclusive financial system, particularly in regions with unique economic characteristics such as Kuningan Regency. This study aims to analyze the level of Islamic financial literacy among MSME actors, evaluate the role of social capital in supporting or hindering Islamic financial inclusion, and explain the interaction between Islamic financial literacy and social capital in promoting financial inclusion. The research employs a qualitative approach with a case study design, involving five MSME actor informants selected through purposive sampling, with data collection conducted through in-depth interviews, participatory observation, and documentation analyzed using the Miles and Huberman interactive model. Research findings reveal that Islamic financial literacy among MSME actors is at a moderate level with sixty percent understanding, social capital plays an ambivalent role where trust and networks support information dissemination but community solidarity strengthens dependence on informal financing, and the interaction between the two shows mutually reinforcing patterns although literacy influence is more dominant in promoting Islamic financial inclusion
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