Pengaruh Keberadaan Lembaga Keuangan Mikro Syariah dan Program Edukasi Keuangan OJK terhadap Inklusi Finansial Masyarakat Perdesaan
Keywords:
Sharia Microfinance Institutions (SMFIs), Financial Education Program, Financial Services Authority (OJK), Financial Inclusion, Rural Communities.Abstract
This study is motivated by the importance of strengthening the presence of Sharia Micro-Finance Institutions (LKMS) and the OJK’s financial education programs in boosting financial inclusion among rural communities a context underscored by significant dynamics in national Sharia financial literacy and inclusion indices according to 2024/2025 SNLIK data. The study aims to examine and analyze the direct and simultaneous influence of the presence of LKMS and OJK financial education programs on rural financial inclusion. A quantitative approach with an explanatory design was employed, utilizing Partial Least Squares-based Structural Equation Modeling (SEM-PLS) via SmartPLS software. The results indicate that both the presence of LKMS and OJK financial education programs exert a positive and significant direct influence on rural financial inclusion. Furthermore, these two variables collectively explain a substantial 88.5% of the variation in financial inclusion. The study concludes that expanding access to Sharia micro-finance services, coupled with optimal financial education efforts, will significantly and sustainably boost financial inclusion in rural areas
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