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Perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro-and small-enterprise owners in Jambi

Jurnal Perspektif Pembiayaan dan Pembangunan Daerah · Vol. 14 No. 3 (2026) · hlm. 272–289

DOI
10.22437/ppd.v14i3.50991
ISSN
2355-8520, 2338-4603
Terbit
2026-08-28
Penerbit
Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

This study examines the relationships between perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro- and small-enterprise owners in Jambi Province, Indonesia. It distinguishes respondents’ perceived knowledge of Islamic finance from their self-reported use of Islamic financial products and services. A quantitative cross-sectional design was employed, supplemented by follow-up semi-structured interviews to provide contextual insight into the quantitative findings. Survey data were collected from 149 women entrepreneurs operating micro and small enterprises with prior experience using Islamic financial services and were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). We then conducted follow-up semi-structured interviews with 12 purposively selected survey participants to contextualize the observed relationships. The results show that perceived Islamic financial knowledge and Islamic financial service utilization are both positively and significantly associated with women’s economic empowerment. Islamic financial service utilization exhibits the larger estimated association, suggesting that more extensive reported use of Islamic financial services is more closely associated with empowerment than perceived financial knowledge alone. Participants in the follow-up interviews described institutional reach, financing procedures, digital access, and business assistance as contextual conditions that may facilitate or constrain the use of Islamic financial services. By empirically distinguishing perceived financial knowledge from self-reported service utilization, this study provides a more precise account of their respective relationships with women’s economic empowerment. The findings suggest that practical Islamic financial education should be complemented by measures that facilitate the informed, sustained, and productive use of appropriate Islamic financial services among women-owned micro and small enterprises.

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  • Institut Agama Islam Negeri Kendari
  • Nasional University
  • Universitas Sulawesi Tenggara
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
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Rekan penulisOrganisasiArtikel bersama
Lucky Enggrani FitriAfiliasi tidak diketahui9
Rafiqi RafiqiAfiliasi tidak diketahui6
Amri AmirAfiliasi tidak diketahui5
Sigit IndrawijayaAfiliasi tidak diketahui5
Yusuf Zaini AprizalAfiliasi tidak diketahui5
Ridhwan RidhwanAfiliasi tidak diketahui3
Ary Dean AmriAfiliasi tidak diketahui3
Rico WijayaAfiliasi tidak diketahui2
Nurdiani NurdianiAfiliasi tidak diketahui2
Astri WulansariAfiliasi tidak diketahui2
Rudianto RudiantoUniversitas Sulawesi Tenggara2
NGATINAH NGATINAHAfiliasi tidak diketahui2
Musdalifah MusdalifahAfiliasi tidak diketahui2
Aditya PratamaInstitut Agama Islam Negeri Kendari2
Husnul KhatimahAfiliasi tidak diketahui1
Mohd Alfarabi AmbiyaAfiliasi tidak diketahui1
Nurul Irtiah FajriatiAfiliasi tidak diketahui1
Lucky Enggrani FitriAfiliasi tidak diketahui1
Werta ApriantiAfiliasi tidak diketahui1
Khori PerdanaAfiliasi tidak diketahui1
Emilia HamzahAfiliasi tidak diketahui1
Lutfiah Agnesia Putri RanaAfiliasi tidak diketahui1
Uci Romayanti PanggabeanAfiliasi tidak diketahui1
Eva ElizaAfiliasi tidak diketahui1
Hani IftitaAfiliasi tidak diketahui1
Nurhasanah NurhasanahNasional University1
Dayanti RahayuAfiliasi tidak diketahui1
Muhammad Al Fidayeen AkbarAfiliasi tidak diketahui1
Elsa Sonya CarentinaAfiliasi tidak diketahui1
Anugrah Dany SaputraAfiliasi tidak diketahui1
Lili Rahma YantiAfiliasi tidak diketahui1
Ismail PahmiAfiliasi tidak diketahui1
Yahya Budi StiawanAfiliasi tidak diketahui1
Muhammad Afitrah RizalAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JES/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 6 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro-and small-enterprise owners in Jambi</dc:title>
	<dc:creator xml:lang="en">Amri, Ari Dean</dc:creator>
	<dc:creator xml:lang="en">Lubis, Paulina</dc:creator>
	<dc:creator xml:lang="en">Isnaeni, Nurida</dc:creator>
	<dc:creator xml:lang="en">Pratiwi, Heni</dc:creator>
	<dc:creator xml:lang="en">Silvera, Dica Lady</dc:creator>
	<dc:creator xml:lang="en">Suardi, Vivi Paramita</dc:creator>
	<dc:subject xml:lang="en">Islamic finance</dc:subject>
	<dc:subject xml:lang="en">Islamic financial knowledge</dc:subject>
	<dc:subject xml:lang="en">financial service utilization</dc:subject>
	<dc:subject xml:lang="en">women’s empowerment</dc:subject>
	<dc:subject xml:lang="en">MSMEs</dc:subject>
	<dc:description xml:lang="en">This study examines the relationships between perceived Islamic financial knowledge, Islamic financial service utilization, and women’s economic empowerment among women micro- and small-enterprise owners in Jambi Province, Indonesia. It distinguishes respondents’ perceived knowledge of Islamic finance from their self-reported use of Islamic financial products and services. A quantitative cross-sectional design was employed, supplemented by follow-up semi-structured interviews to provide contextual insight into the quantitative findings. Survey data were collected from 149 women entrepreneurs operating micro and small enterprises with prior experience using Islamic financial services and were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). We then conducted follow-up semi-structured interviews with 12 purposively selected survey participants to contextualize the observed relationships. The results show that perceived Islamic financial knowledge and Islamic financial service utilization are both positively and significantly associated with women’s economic empowerment. Islamic financial service utilization exhibits the larger estimated association, suggesting that more extensive reported use of Islamic financial services is more closely associated with empowerment than perceived financial knowledge alone. Participants in the follow-up interviews described institutional reach, financing procedures, digital access, and business assistance as contextual conditions that may facilitate or constrain the use of Islamic financial services. By empirically distinguishing perceived financial knowledge from self-reported service utilization, this study provides a more precise account of their respective relationships with women’s economic empowerment. The findings suggest that practical Islamic financial education should be complemented by measures that facilitate the informed, sustained, and productive use of appropriate Islamic financial services among women-owned micro and small enterprises.</dc:description>
	<dc:publisher xml:lang="en">Program Magister Ilmu Ekonomi  Pascasarjana Universitas Jambi</dc:publisher>
	<dc:date>2026-08-28</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/JES/article/view/50991</dc:identifier>
	<dc:identifier>10.22437/ppd.v14i3.50991</dc:identifier>
	<dc:source xml:lang="en">Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; Vol. 14 No. 3 (2026): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah; 272-289</dc:source>
	<dc:source>2355-8520</dc:source>
	<dc:source>2338-4603</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/JES/article/view/50991/25416</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Ari Dean Amri, Paulina Lubis, Nurida Isnaeni, Heni Pratiwi, Dica Lady Silvera, Vivi Paramita Suardi</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>