Strategi Inovasi Digital: Kunci Optimalisasi Literasi Keuangan Syariah
Abstract
The study discussed the importance of improving the islamic finance literacy in Indonesia, which is far behind the conventional monetary literacy. According to data from the national survey's literacy and financial inclusion of ojk 2022, the sharia-based financial literacy rate is only at 39.11%, while the conventional monetary literacy is at 65.08%. In a growing digital age, the potential for digital technologies needs to be maximized to overcome these gaps. This article highlights the role of digital literacy as one of the key strategies for optimizing islamic financial literacy, through education, collaboration between institutions, and the application of modern technology. While there are challenges, such as poor public financial literacy, digital access gaps, and competition with conventional financial services, the application of digitally based strategies can be the solution. Several of the proposed strategies include increased technology infrastructure, digital literacy training, multi-stakeholder collaboration, and public awareness campaigns. The implementation of this strategy is expected to narrow the digital gap and allow all levels of society to participate in the financial transformation of sharia in the age of digital information.
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