Literasi Keuangan Syariah dan Penggunaan E-Wallet: Analisis Simulasi Hubungannya dengan Persepsi Perkembangan Omzet Usaha Mikro Kecil Menengah

Riki Gunawan, Arifa Pratami, Ismail Ismail


Abstract


This article examines the relationships of Islamic financial literacy and digital wallet (e-wallet) use with perceived MSME turnover growth in Gedung Johor, Medan, through quantitative simulation. The analysis uses 86 simulated observations rather than responses verified through field surveys. Relationships were analyzed using multiple linear regression. The simulation produced positive coefficients for Islamic financial literacy (B = 0.616; p < 0.001) and e-wallet use (B = 0.487; p < 0.001), with F = 31.816 and R² = 0.434. The model explains 43.4% of the variation in perceived turnover scores within the simulated data. These results describe only relationships among modeled variables. Turnover is represented by perception scores rather than monetary changes in sales documented in business records. Accordingly, the findings do not establish actual turnover growth, causality, or population conditions among Gedung Johor MSMEs. The article offers an illustrative framework connecting Islamic financial literacy with digital payments. Further empirical testing requires field surveys, validated instruments, verifiable transaction data, and turnover records to assess the model’s relevance to actual business conditions and inform targeted recommendations for MSME development.

Keywords


Islamic Financial Literacy, E-Wallet Use, Micro, Small, and Medium Enterprises

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References


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DOI: https://doi.org/10.30743/mutlaqah.v7i1.14573

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