“…While the Islamic financial literacy index is 8.11%, this figure is undoubtedly still relatively low according to the financial literacy and inclusion survey by the Financial Services Authority, which shows 21.84% of Indonesians have good financial literacy (OJK, 2019). Several previous research has studied financial literacy, such as Hidayat & Machmud (2019), Widityani et al (2020), Syafril (2021), Alfarisi et al, (2020), Khotiawan & Luthfiansyah (2017), Yunus et al (2021), and Fithrie et al (2022).…”