A Analisis Kolaborasi Perbankan Syariah dan Masjid Melalui Pendekatan Nudge Theory: Perspektif Jamaah Masjid di Kabupaten Purwakarta
DOI:
https://doi.org/10.29040/jiei.v12i2.19528Kata Kunci:
Inklusi Keuangan Syariah, Nudge Theory, Kolaborasi Masjid, Literasi Keuangan, Religiusitas.Abstrak
Studi ini menganalisis pengaruh Nudge dan kolaborasi bank-masjid terhadap inklusi keuangan menggunakan metode PLS-SEM. Hasilnya menunjukkan literasi keuangan sebagai pendorong dominan, sementara Nudge efektif mengubah perilaku jamaah secara psikologis. Religiusitas tidak berpengaruh langsung terhadap inklusi, namun krusial bagi kolaborasi institusional. Temuan penting mengungkap religiusitas sebagai moderator negatif yang memperlemah dampak kolaborasi akibat skeptisisme jamaah terhadap komersialisasi masjid. Secara strategis, optimalisasi inklusi berbasis masjid tidak boleh hanya mengandalkan religiusitas, melainkan harus mengintegrasikan penguatan literasi keuangan dengan strategi nudging yang tepat guna untuk mengatasi resistensi jamaah.
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