The effect of Islamic financial inclusion on welfare through religiosity based on tauhidi streeng relations Asep,Willy Arafah,Nirdukita
ISLAMIC ECONOMICS AND FINANCE (IEF)
UNIVERSITAS TRI SAKTI
JAKARTA
Abstract
Karawang Regency is known as a rice barn and a large industrial area with a high regional minimum wage (UMR), but the level of welfare is still a problem for leaders, considering that welfare is always associated with asset ownership which is measured in rupiah units so that the existence of financial inclusion in the community karawang district is interesting for discussion,
This study aims to analyze the effect of Islamic financial inclusion on welfare through religiosity based on tauhidi streeng relations, data processing using quantitative data processing techniques with multiple regression analysis and placing religiosity as an intervening, this study uses primary data collected through questionnaires with a sampling quota of 564 respondents, with the locus of karawang district,
The results showed that the path coefficient (mediation) of the indirect effect of inclusion on welfare through religiosity was 0.111 with a z-value (Sobel Test) of (5.132). The direct effect of Islamic financial inclusion (X1) on welfare (Y) through religiosity (X2) is positive and significant, if we look at the direct effect of the Islamic financial inclusion coefficient (X2) on improving welfare (Y) of 0.302, this indicates that there is a positive effect of financial inclusion. sharia towards improving people^s welfare, the more people are able to access sharia financial inclusion, the higher the level of welfare that will be enjoyed by the community.
