“…However, there are many factors that affect financial inclusiveness. Some researchers highlight that the financial inclusiveness was influenced by financial literacy (Bongomin et al, 2017;Hoque et al, 2018), socio-cultural such as religiosity (Aksoy & Abdulfatai, 2019;Kumar, 2013), individual characteristics such as income, education level and age (Demirguc-Kunt et al, 2017;Shihadeh, 2018), product incompatibility offered (Nugroho & Purwanti, 2018) and marketing communication (Hoque et al, 2018). The aim of this study is to analyze the factors that influence the inclusiveness of Islamic finance in MSMEs through assess of financial literacy, marketing communication and socio-cultural as the independent variables.…”