THE IMPACT OF FINANCIAL LITERACY, DIGITAL FINANCE, AND DEMOGRAPHICS ON ISLAMIC FINANCIAL INCLUSION

Abstract

The aim of this study is to analyze the impact of financial literacy, digital finance, and demographic factors such as gender, age, education level, and income on the dependent variable of Islamic financial inclusion in Jenar District. This research uses quantitative data obtained from primary sources. The data was analyzed using multiple linear regression analysis with SPSS software. The results of the t-test indicate that both financial literacy and digital finance influence Islamic financial inclusion. On the other hand, demographic factors do not have an impact on Islamic financial inclusion. Additionally, the results of the F-test show that the dependent variable is jointly influenced by all independent variables.