Tantangan Adopsi Perbankan Syariah di Pedesaan: Literasi, Kepercayaan, dan Kepatuhan
-
Hendri Mauliansyah
*
Universitas Muhammadiyah Aceh, Banda Aceh,
Indonesia
https://orcid.org/0009-0000-6877-6778
- Budi Safatul Anam Universitas Muhammadiyah Aceh, Banda Aceh, Indonesia (*) Corresponding Author
Abstract
This study aims to examine the challenges of implementing Islamic banking in rural areas by focusing on three key aspects: financial literacy, public trust, and compliance with Sharia principles. The main issue addressed is the low level of Islamic banking adoption in rural communities despite the positive growth trend of the Islamic banking sector at the national level. This study employs a qualitative approach, with data collected through in-depth interviews involving community members, local leaders, and financial industry practitioners. The data were analyzed using thematic analysis through processes of data reduction, categorization, and interpretative conclusion drawing. The novelty of this study lies in its exploration of the interrelationship between financial literacy, trust, and understanding of Sharia compliance within the context of rural communities, a topic that has received limited attention in qualitative research. Furthermore, this study offers a contextual perspective on rural communities’ behavior toward Islamic banking, which remains underrepresented in the existing literature. The findings reveal that low levels of financial literacy result in limited public understanding of Islamic banking products and operational mechanisms. This condition contributes to the formation of trust that is based more on religious values than on a comprehensive understanding of the Islamic banking system. In addition, the public's understanding of the practical implementation of Sharia principles remains relatively low, thereby hindering the utilization of Islamic banking services. These three factors interact with one another and constitute the primary challenges to the implementation of Islamic banking in rural areas. The findings suggest that increasing the adoption of Islamic banking requires an integrated approach involving the enhancement of financial literacy, the strengthening of public understanding of Sharia principles, and the development of more contextual educational strategies tailored to the characteristics of rural communities.
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