The Influence of Digital-Based Islamic Financial Literacy on Family Financial Planning among Housewives in Sumedang Regency

Abstract

This study aims to analyze the influence of digital-based Islamic financial literacy on family financial planning among housewives. This explanatory quantitative study was carried out using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) approach through Smart-PLS, involving 52 housewives as respondents. A Likert-scale questionnaire served as the primary data collection instrument. All constructs demonstrated satisfactory reliability and validity, as detailed in the Results section. The R-square value of 0.478 indicates that digital Islamic financial literacy accounts for 47.8% of the variance in family financial planning, while the f-square value of 0.916 reflects a large effect size. Furthermore, the path coefficient from X to Y was 0.691 (T-statistic = 13.752; p = 0.000), indicating a positive and statistically significant relationship. The findings reveal that digital-based Islamic financial literacy has a positive and significant influence on family financial planning among housewives. These findings offer practical relevance for policymakers, Islamic financial institutions, and digital financial education providers seeking to strengthen household economic resilience through targeted digital Islamic financial literacy initiatives