The Role of Online Communities in Improving Islamic Financial Literacy: A Systematic Literature Review
Abstract
Background: Islamic Financial Literacy plays a role important in development business and Islamic finance industry . In 2025 the index literacy finance Indonesia's national average was 66.46% (up 1.03% compared to 2024 ) and index inclusion finance national by 80.51% (up by 5.49% compared to 2024 ) however index Islamic finance literacy only by 43.41% and inclusion Islamic finance by 13.41%. In Indonesia, there are 212 million individuals who use the internet with level penetration reached 74.6 percent and globally 77% of internet usage is for social media where many online communities formed there. Needs to be done another approach in effort increase Islamic finance literacy, namely through approach community online research. This research aim for see role online community towards Islamic financal literacy and what only what is necessary be noticed so that you can impact to improvement Islamic financial literacy
Method: This study employed the systematic literature review approach in exploring the link that connects online communities and Islamic financial literacy. The systematic literature review approach was carried out based on the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines. Articles were collected from several academic databases, including Scopus, ScienceDirect, and Google Scholar, using keywords such as online communities, Islamic financial, literacy
Results: Online communities play a role as network dynamic for dialogue, exchange knowledge , and creation meaning collective specifically related finance sharia.In side That online communities also function as social norm formers based on Islamic law and form attitude consumer to finance sharia. In his role to Islamic financial literacy online community can strengthened with social media as factor moderation and participation push adoption use technology financial technology. Approach this online community There is challenges that need to be overcome become attention namely potential occurrence conflict between member online community because difference understanding against issue certain related with Islamic finance . The other challenges is the existence of a skills gap in use technology and disruption technical (such as disturbed signal ) especially in remote areas .
Conclusion: The role of online communities in Islamic financial literacy shows that digital space is not just a means of communication , but rather ecosystem crucial social - cognitive in form behavior finance society , act as factor strengthening moderation connection between literacy finance and inclusion Islamic finance , as predictor strongest for intention individual for adopt product of Islamic finance and its functions as network dynamic for dialogue, exchange source power , and manufacturing meaning collective about sharia principles and also the driving force for consumer for keep going use ( continuance intention ) of the service finance sharia- based .
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