Analysis of Community Digital Literacy Levels in the Use of Mobile Banking at Islamic Banks
DOI:
https://doi.org/10.59525/jess.v4i2.906Keywords:
Mobile banking; Digital literacy; Bank Syariah Indonesia, Financial inclusionAbstract
This study explores the level of knowledge and understanding of mobile banking services offered by Bank Syariah Indonesia among the community of Kelurahan Mendahara Ilir. Utilizing a qualitative descriptive approach, data were collected through interviews, observations, and document reviews to analyze community experiences and perceptions. Findings reveal that knowledge about mobile banking varies significantly, with younger and more educated individuals demonstrating greater awareness and usage. Major barriers include insufficient socialization and training, unstable internet connectivity, limited data availability, and concerns over digital transaction security. These challenges contribute to the continued reliance on conventional banking methods among certain groups. The study highlights the necessity for intensified and inclusive educational programs, improved digital infrastructure, and user-friendly guidance to enhance digital literacy. Addressing these issues will facilitate broader adoption of mobile banking services and support the advancement of sharia-compliant financial inclusion in the digital age
References
Abidin, Z. (2024). Pengaruh Dana Zakat Produktif Terhadap Tingkat Pendapatan Mustahiq pada Upz Kecamatan Muara Sabak Timur. Jurnal Ilmu Manajemen Terapan (JIMT)., 6(1).
Ariyani, R., Munip, A., Nasril, N., Hadi, S., Darni, D., & Nurlinda, N. (2024). Manajemen humas dalam meningkatkan partisipasi masyarakat di Madrasah Aliyah Negeri 1 Merangin. Al-Aulia: Jurnal Pendidikan Dan Ilmu-Ilmu Keislaman, 10(2), 154–162.
Devi, E. K., Ma’ani, B., & Wahab, H. A. (2023). Strategi Pemasaran Layanan Jasa Mobile Banking Bank 9 Jambi Syariah Kantor Cabang Muara Sabak. Jurnal Ilmiah Ekonomi Islam, 9(2), 2187–2196.
Dewi, H., & Febrianto, H. (2023). Implementasi Fuzzy C-Means untuk Clustering Data dalam Sistem Informasi Promosi (Studi Kasus di SMAN Negeri 4 Tanjung Jabung Timur). Jurnal Teknik Informatika UNIKA Santo Thomas, 328–340.
Djaja, D. K., Elfina, H., Najdah, N., Razali, G., Munip, A., & Muhammadong, M. (2023). Pengaruh Pendidikan Karakter Terhadap Kepercayaan Diri Mahasiswa Di Universitas. Jurnal Review Pendidikan Dan Pengajaran (JRPP), 6(2), 151–156.
Fajri, R. Z., Abidin, Z., & Lestari, D. A. (2024). Praktik Upah Buruh Bangunan Ditinjau dari Perspektif Hukum Ekonomi Syari’ah (Studi Kasus di Pondok Pesantren Jari Nabi): Penelitian. Jurnal Pengabdian Masyarakat Dan Riset Pendidikan, 3(2), 95–99.
Fatimah, S., Devi, E. K., Wandi, W., Mun’amah, A. N., & Sarwono, S. (2024). Tingkat Sosialisasi Dan Pemahaman Masyarakat Tani Kelapa Sawit Dalam Menunaikan Zakat Mal Di Kabupaten Tanjung Jabung Timur. Al-Mabsut : Jurnal Studi Islam Dan Sosial, 18(2), 345–352. https://doi.org/10.56997/almabsut.v18i2.1610
Fia, O. A., Musthofa, M. A., & Devi, E. K. (2024). Analisis Pembiayaan Modal Kerja Terhadap Pertumbuhan Usaha Nasabah PT. Fifgroup Muara Sabak: Penelitian. Jurnal Pengabdian Masyarakat Dan Riset Pendidikan, 3(2), 100–105.
Hidayat, A., Hardi, E. A., Sucipto, S., & Sunarti, Z. (2023). Analisis Pergerakan Harga Saham Emiten Sawit Terindeks Saham Syariah Indonesia Saat Larangan Ekspor CPO. Jurnal Ilmiah Ekonomi Islam, 9(1), 1–7.
Hidayat, A., Mubyarto, N., Ritonga, A. H., & Sunarti, Z. (2023). Indeks Saham Syariah Indonesia: Pengaruh Faktor Makro Ekonomi Di Masa Pendemi Dan Pasca Pendemi. Jurnal Ilmiah Ekonomi Islam, 9(3), 3829–3838.
Ikhlas, M., Yasmin, L., Muharramah, D., & Kuswanto. (2025). Mempersiapkan Pendidik Masa Depan di Era Kecerdasan Buatan: Pengalaman Calon Guru Sekolah Dasar dengan Aplikasi Generatif AI: Penelitian. Jurnal Pengabdian Masyarakat Dan Riset Pendidikan, 3(4), 5190–5199.
Ismail, M. S., & Musthofa, M. A. (2024). Eksistensi Religius dan Tantangan Zaman Tradisi Mandi Penimbul Dalam Ritual Pengobatan pada Masyarakat Mendahara, Kabupaten Tanjung Jabung Timur, Provinsi Jambi. NUR EL-ISLAM: Jurnal Pendidikan Dan Sosial Keagamaan, 11(1), 163–176.
Jameaba, M.-S. (2022). Digitalization, Emerging Technologies, and Financial Stability: Challenges and Opportunities for the Indonesian Banking Industry and Beyond. DOI: Https://Doi. Org/10.32388/CSTTYQ, 2.
Junarsin, E., Hanafi, M. M., Iman, N., Arief, U., Naufa, A. M., Mahastanti, L., & Kristanto, J. (2023). Can technological innovation spur economic development? The case of Indonesia. Journal of Science and Technology Policy Management, 14(1), 25–52.
Kadarsih, S., Munip, A., Aminah, S., & Rahmy, H. A. (2023). Strategi Guru Pembimbing Dalam Pembentukan Kemandirian Anak Usia Dini. JIGC (Journal of Islamic Guidance and Counseling), 7(2), 114–131.
Karnadjaja, D. (2023). Strategi penguatan pendidikan karakter pada tingkat SLTA melalui model pembelajaran project based learning. Jurnal Review Pendidikan Dan Pengajaran, 6(2), 26–55.
Kurniawan, A., Marwendi, R. O., Yusuf, M. Y., Aiman, M., & Tauvani, A. Y. (2024). Diskursus Kampung Restorative Justice Dan Eksistensi Peradilan Adat Di Provinsi Jambi. Ius Civile: Refleksi Penegakan Hukum Dan Keadilan, 8(1), 57–70.
Kuswanto, K., Abidin, Z., Pestano, R. D., & Ikhlas, M. (2024). Critical Thinking, Literacy, and Numeracy as Factors in STEM: Madrasah Student Learning. Edukasia: Jurnal Penelitian Pendidikan Islam, 19(1), 99–114.
Kuswanto, K., Fajanela, J. V., & Abidin, Z. (2024). Learning Technology Increases the Perception of Online Learning. Al-Fikrah: Jurnal Manajemen Pendidikan, 12(1), 88–98.
Lubis, R., Irfana, T. B., Purwatiningsih, S., Nisak, S. K., & Sari, V. P. (2024). The Management of Education Operational Grant and Its Effects on School Development. Academy of Education Journal, 15(2), 1299–1307.
Masrizal, Sukmana, R., Fianto, B. A., & Gultom, R. Z. (2023). Does economic freedom fosters Islamic rural banks efficiency? Evidence from Indonesia. International Journal of Productivity and Performance Management, 72(9), 2538–2558.
Munip, A. (2024). Ilmu dalam Tinjauan Filsafat: Ontologi, Epistemologi, dan Aksiologi. Al-Aulia: Jurnal Pendidikan Dan Ilmu-Ilmu Keislaman, 10(1), 49–58.
Munip, A., Andriani, N., Subrayanti, D., Priyantoro, D. E., Sakti, B. P., & Siminto, S. (2024). Manajemen SDM Guru:: Strategi Peningkatan Kualitas Pembelajaran di Kelas. Indonesian Research Journal on Education, 4(4), 2983–2991.
Mustari, V. H., Mere, K., Pitri, A., Wibowo, T. O., & Nilfatri, N. (2024). Adapting To The Hybrid Workforce: Hr Strategies For Managing Remote And On-Site Employees In 2024. Journal of Economic, Bussines and Accounting (COSTING), 7(5), 4688–4693.
Musthofa, M. A. (2024). Dinamika Kelisanan dan Keaksaraan dalam Produksi dan Resepsi Literatur Keagamaan Masyarakat Hadhrami di Tanah Jambi. Jurnal Ilmiah Ilmu Ushuluddin, 23(1), 17–34.
Musthofa, M. A., & Wulandari, T. (2024). Tinjauan Hukum Islam Terhadap Bagi Hasil Pengelolaan Parkir Di Pasar Tradisional Muara Sabak Barat. Istinbath, 16(2), 78–84.
Mustofa, M. A. (2023). Upaya Petani Sawit Dalam Meningkatkan Perekonomian Berdasarkan Perspektif Ekonomi Islam Di Desa Sungai Sayang. Jurnal Ilmiah Ekonomi Islam, 9(3), 3257–3266.
Nuri, D. R., Junaidi, J., & Achmad, E. (2024). Pengaruh PMA, PMDN, Ekspor, Belanja Pendidikan dan Belanja Kesehatan terhadap Pertumbuhan Ekonomi Di Provinsi dalam Pulau Sumatera. J-MAS (Jurnal Manajemen Dan Sains), 9(1), 688–697.
Nurjali, N., Nisak, S. K., Wulandari, T., & Mun’amah, A. N. (2023). Implementation of Democratic Character Values Through Integrative Learning for Madrasah Ibtidaiyah Students. MODELING: Jurnal Program Studi PGMI, 10(4), 863–873.
Rahma, S., Musthofa, M. A., & Fatimah, S. (2024). Strategi Pemasaran Islami Dalam Meningkatkan Pendapatan Toko Kue Awana Cupcake Pandan Jaya Kecamatan Geragai. Jurnal Ilmiah Ekonomi Islam, 10(3), 3366–3372.
Saifurrahman, A., & Kassim, S. H. (2024). Regulatory issues inhibiting the financial inclusion: a case study among Islamic banks and MSMEs in Indonesia. Qualitative Research in Financial Markets, 16(4), 589–617.
Saputra, A. A. (2023). Peran Koperasi Pondok Pesantren (Kopontren) Jarinabi Mart dalam Meningkatkan Ekonomi Pondok Pesantren Jarinabi. Jurnal Ilmiah Ekonomi Islam, 9(3), 4038–4047.
Saputra, A. E., & Susanti, P. (2024). Pengaruh Tingkat Religiusitas dan Pemahaman Asuransi terhadap Keputusan Bernasabah Asuransi Jiwa Syariah. Maro: Jurnal Ekonomi Syariah Dan Bisnis, 7(2), 223–234.
Saryanti, S., Daud, D., Kadarsih, S., Munamah, A. N., & Dewi, H. (2024). Analisis Praktik Arisan Barang Di Desa Kuala Lagan Kecamatan Kuala Jambi Ditinjau Dari Perspektif Ekonomi Islam. Maro: Jurnal Ekonomi Syariah Dan Bisnis, 7(2), 352–358.
Sukaesih Kurniati, P., & Suryanto, S. (2022). The role of the Indonesian government in the era of banking disruption innovation. Journal of Eastern European and Central Asian Research, 9(1).
Susanto, E., Putra, D., & Nisak, S. K. (2024). The influence of parental attention on student learning achievement in elementary school. Edusoshum: Journal of Islamic Education and Social Humanities, 4(2), 155–167.
Sya’bana, M. V., Nisak, S. K., Suryaningsih, S. S., Rukiyanto, B. A., & Hastuti, R. M. (2024). The Effect of Religious Education on Student Learning Achievement in Elementary Schools. Academy of Education Journal, 15(2), 1440–1448.
Syariah, J. D. E. (2024). Peran Turnamen Mobile Legends Dalam Meningkatkan Pendapatan Cafe Primadona, Talang Babat, Muara Sabak. Jurnal Dinamika Ekonomi Syariah, 11(2).
Tanjung, Z., Anaswan, A., & Nisak, S. K. (2023). Peran Guru Akidah Akhlak Dalam Menumbuhkan Kecerdasan Spritual Siswa Di Madrasah Tsanawiyah Al-Irsyad Kelurahan Kampung Laut Kecamatan Kuala Jambi Kabupaten Tanjung Jabung Timur. Attaqwa: Jurnal Ilmu Pendidikan Islam, 19(2), 259–267.
Thompson Burdine, J., Thorne, S., & Sandhu, G. (2021). Interpretive description: A flexible qualitative methodology for medical education research. Medical Education, 55(3), 336–343.
Villamin, P., Lopez, V., Thapa, D. K., & Cleary, M. (2024). A worked example of qualitative descriptive design: A step‐by‐step guide for novice and early career researchers. Journal of Advanced Nursing.
Younas, A., Fàbregues, S., Durante, A., Escalante, E. L., Inayat, S., & Ali, P. (2023). Proposing the “MIRACLE” narrative framework for providing thick description in qualitative research. International Journal of Qualitative Methods, 22, 16094069221147162.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Rizky Ramadhan Asmara, Hasna Dewi , Ahmad Edi Saputra, Erwina Kartika Devi, Haeran
This work is licensed under a Creative Commons Attribution 4.0 International License.
