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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) · pp. 272–289

DOI
10.22437/ppd.v14i3.50991
ISSN
2355-8520, 2338-4603
Published
2026-08-28
Publisher
Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi
Language
en
License
creativecommons.org/licenses/by/4.0

Abstract

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.

Keywords

Collaboration network of the authors

40 authors · 92 co-authorship links · showing the 40 most connected

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Co-authorOrganisationJoint articles
Lucky Enggrani FitriAffiliation unknown9
Rafiqi RafiqiAffiliation unknown6
Amri AmirAffiliation unknown5
Sigit IndrawijayaAffiliation unknown5
Yusuf Zaini AprizalAffiliation unknown5
Ridhwan RidhwanAffiliation unknown3
Ary Dean AmriAffiliation unknown3
Rico WijayaAffiliation unknown2
Nurdiani NurdianiAffiliation unknown2
Astri WulansariAffiliation unknown2
Rudianto RudiantoAffiliation unknown2
NGATINAH NGATINAHAffiliation unknown2
Musdalifah MusdalifahAffiliation unknown2
Aditya PratamaAffiliation unknown2
Husnul KhatimahAffiliation unknown1
Mohd Alfarabi AmbiyaAffiliation unknown1
Nurul Irtiah FajriatiAffiliation unknown1
Lucky Enggrani FitriAffiliation unknown1
Werta ApriantiAffiliation unknown1
Khori PerdanaAffiliation unknown1
Emilia HamzahAffiliation unknown1
Lutfiah Agnesia Putri RanaAffiliation unknown1
Uci Romayanti PanggabeanAffiliation unknown1
Eva ElizaAffiliation unknown1
Hani IftitaAffiliation unknown1
Nurhasanah NurhasanahAffiliation unknown1
Dayanti RahayuAffiliation unknown1
Muhammad Al Fidayeen AkbarAffiliation unknown1
Elsa Sonya CarentinaAffiliation unknown1
Anugrah Dany SaputraAffiliation unknown1
Lili Rahma YantiAffiliation unknown1
Ismail PahmiAffiliation unknown1
Yahya Budi StiawanAffiliation unknown1
Muhammad Afitrah RizalAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JES/oai, first harvested 6 Nov 2026, last seen 6 Nov 2026.
Original metadata (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>