ISLAMIC FINANCIAL LITERACY AND INCLUSION: INTELLECTUAL STRUCTURE AND RESEARCH VIA BIBLIOMETRIC ANALYSIS

Abstrak

Research on Islamic Financial Literacy (IFL) and Islamic Financial Inclusion (IFI) has grown rapidly in recent years, in line with the expansion of Islamic finance and digital transformation. The purpose of this study is to map global trends in both topics using bibliometric analysis of Scopus-indexed journals. The analysis was conducted on 123 articles published between 2007 and mid-2025. Bibliometric analysis was carried out using the R-package Bibliometrix and the Biblioshiny interface to produce scientific mapping of publications. The results show a sharp increase in the number of publications, especially after 2020, with Indonesia and Malaysia emerging as the main contributors in this field. Influential publication sources such as the Journal of Islamic Accounting and Business Research and the Journal of Islamic Marketing dominate the research landscape. The analysis reveals that most studies focus on the role of IFL in the adoption of Islamic banking products, customer behavior, and SME empowerment, while studies on IFI cover banking stability, Islamic microfinance, digitalization, and fintech adoption. Potential future research themes include digital Islamic financial literacy, green Islamic finance, the role of literacy in behavioral biases, as well as financial inclusion for pesantren communities. This study contributes to the academic community by providing a comprehensive overview of research development on IFL and IFI, while also offering recommendations for future research directions with both theoretical and practical significance.