Sharia Financial Literacy and Its Influence on Community Economic Behavior in the Digital Economic Ecosystem

Abstract

This study aims to examine the relationship between Sharia financial literacy and community economic behavior within the digital economic ecosystem using a qualitative approach based on library research. The increasing digitalization of Islamic finance has transformed how individuals access and utilize financial services, making financial literacy an essential determinant in shaping economic behavior. However, the extent to which Sharia financial literacy influences actual financial behavior in the context of digital transformation remains insufficiently explored. This study synthesizes findings from selected scholarly literature, including journal articles, doctoral dissertations, and empirical reports related to Islamic financial literacy, fintech syariah, and digital economic systems. The data were analyzed using thematic analysis and narrative synthesis to identify key patterns and relationships among variables. The findings indicate that Sharia financial literacy remains at a moderate level across different societal groups and is influenced by education, access to financial services, and digital exposure. Although literacy positively contributes to more Sharia-compliant financial intentions, its translation into actual economic behavior is inconsistent. This gap is largely influenced by digital readiness, technological accessibility, religiosity, and trust in financial institutions. Furthermore, the emergence of Islamic fintech has significantly enhanced financial inclusion but also introduced challenges related to user understanding and adoption. The study concludes that the relationship between Sharia financial literacy and economic behavior is multidimensional and mediated by various socio-technological factors in the digital economy. Strengthening integrated financial and digital literacy is essential to bridge the gap between knowledge and behavior in Islamic financial practices.