LITERASI KEUANGAN SYARIAH DAN AKSESIBILITAS TERHADAP POLA PEMBIAYAAN SYARIAH DI KABUPATEN KUNINGAN

Abstract

Abstract
This study explores the connection between Islamic financial literacy and how easily Micro, Small, and
Medium Enterprises (UMKM) can access Islamic financing in Kuningan Regency. Although UMKM are
crucial to Indonesiaâs economy, their access to formal financing, especially from Islamic financial
institutions, remains limited. Using a qualitative approach with in-depth interviews, group discussions,
observations, and document analysis, the study finds that most UMKM are aware of Islamic financial
institutions but have a limited understanding of Islamic principles and contracts. Low literacy hampers
their confidence and ability to use Islamic financing effectively. The study concludes that improving
Islamic financial literacy is vital for increasing UMKM access to sharia-compliant funding.
Recommendations include ongoing literacy programs, expanded services from Islamic financial
institutions, and the use of Islamic fintech tailored to UMKM needs.
Keywords: Islamic financial literacy, UMKM, Islamic financing, accessibility.