HOW SHARIA FINANCIAL LITERACY MODERATED RELIGIOUS AND MUSLIM FINANCIAL BEHAVIOUR

Nihayatu Aslamatis Solekah, Ahmad Muqarrabin Hakim
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Abstract

This study aims to understand the effect of religion, Sharia financial literacy (SFL), on Muslim financial behaviour (MFB) and Sharia financial literacy as a moderating variable between religion and MFB. This research uses the descriptive quantitative method. The sample in this study was 190 respondents using purposive sampling of Muslims who live in South Kalimantan—data analysis by structural model assessment with the Partial Least Square (PLS) analysis method. The results indicated religion and Sharia financial literacy influence financial behaviour, so SFL also moderates religion on financial behaviour. These results imply that a better Muslim religion will increase a person's ability to manage and use the economy as effectively as possible, strengthened by financial knowledge. Financial understanding will naturally exhibit better financial conduct.
伊斯兰教法金融知识如何调节宗教和穆斯林的金融行为
本研究旨在了解宗教、伊斯兰教法金融知识(SFL)对穆斯林金融行为(MFB)的影响,以及伊斯兰教法金融知识作为宗教与 MFB 之间调节变量的影响。本研究采用描述性定量方法。本研究的样本为 190 名居住在南加里曼丹的穆斯林,采用目的性抽样法,通过偏最小二乘法(PLS)分析方法进行结构模型评估数据分析。结果表明,宗教和伊斯兰教法金融知识影响金融行为,因此伊斯兰教法金融知识也调节宗教对金融行为的影响。这些结果表明,较好的穆斯林宗教信仰会提高一个人尽可能有效地管理和利用经济的能力,并通过金融知识得到加强。金融知识自然会表现出更好的金融行为。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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