طراحی سنجۀ سواد مالی اسلامی کارکنان نظام بانکی ایران

منابع

آزادی احمدآبادی، محمد (1400). طراحی مدل ارائه خدمت در صنعت مراقبت سلامت ایران مبتنی بر تفکر طراحی. پایان‎نامه کارشناسی‎ارشد منتشر نشده. دانشگاه امام صادقj.

باغ میرانی مصطفی، اسماعیلی گیوی محمدرضا، حسن زاده محمد، نوروزی علیرضا (1396). توسعه مدل مفهومی مسئله‎یابی پژوهش با استفاده از روش تحلیل محتوای جهت دار. تعامل انسان و اطلاعات، ۴ (۳)، 109-130.

کمالی، یحیی (1396). روش‎شناسی فراترکیب و کاربرد آن در سیاستگذاری عمومی. سیاست، 43، 721-736.

References

Ab Rahman, S., Tajudin, A., & Tajuddin, A. F. A. (2018). The significant role of Islamic financial literacy among college students in Malaysia. International Journal of Managerial Studies and Research, 6(11), 2349-0349. https://doi.org/10.20431/2349-0349.0611005

Adawiah, R., Suarni, A., & Wahyuni, S. (2024). The influence of Islamic financial literacy and product knowledge on the decision to use Islamic banking products on students of Muhammadiyah Colleges in South Sulawesi, Indonesia. International Journal of Research and Innovation in Social Science, 8(6), 960-971. https://doi.org/10.47772/ijirss.2024.806073

Ahmad, G., Widyastuti, U., Susanti, S., & Mukhibad, H. (2020). Determinants of the Islamic financial literacy. Accounting, 6(6), 961-966. https://doi.org/10.5267/j.ac.2020.7.024

Alam, N., Gupta, L., & Shanmugam, B. (2019). Islamic Finance: A Practical Perspective. Palgrave Macmillan.

Albaiy, M., & Rahman, M. (2019). The intention to use Islamic banking: Evidence from Malaysia. International Journal of Emerging Markets, 14(5), 888-906. https://doi.org/10.1108/IJOEM-05-2018-0218

Alsayigh, N. A. J., & Al-Hayali, Z. M. A. (2022). Islamic financial literacy, concepts, and indicators. Asian Journal of Economics, Business and Accounting, 22(21), 6-19. https://doi.org/10.9734/AJEBA/2022/v22i2130683

Antara, P. M., Musa, R., & Hassan, F. (2016). Bridging Islamic financial literacy and halal literacy: The way forward in halal ecosystem. Procedia Economics and Finance, 37, 196-202. https://doi.org/10.1016/S2212-5671(16)30113-7

Antara, P. M., Musa, R., & Hassan, F. (2017). Conceptualisation and operationalisation of Islamic financial literacy scale. Pertanika Journals, 25, 251-260.

Aprea, C., Wuttke, E., Breuer, K., Koh, N. K., Davies, P., Greimel-Fuhrmann, B., & Lopus, J. S. (Eds.). (2016). International Handbook of Financial Literacy. Springer. https://doi.org/10.1007/978-981-10-0360-8

Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study. OECD Publishing. http://dx.doi.org/10.1787/5k9csfs90fr4-en

Atkinson, A., McKay, S., Collard, S., & Kempson, E. (2007). Levels of financial capability in the UK. Public Money and Management, 27(1), 29-36.

Āzādī Aḥmadābādī, Muḥammad (2021). Designing a Service Delivery Model in Iran’s Healthcare Industry Based on Design Thinking. Unpublished Master’s Thesis, Imam Sadiq University. [In Persian]

Bāgh Mīrānī, Muṣṭafā; Ismāʿīlī Gīvī, Muḥammad Riḍā; Ḥasanʹzādeh, Muḥammad; Nūrūzī, ʿAlī Riḍā (2017). “Developing a Conceptual Model of Research Problem-Finding Using Directed Content Analysis.” Taʿāmul-i Insān va Iṭṭilāʿāt, 4(3), 109-130. [In Persian]

Chin, W. W. (1998). The partial least squares approach to structural equation modeling. In Modern Methods for Business Research (pp. 295-336). Psychology Press.

Collins, J. M., & O’Rourke, C. M. (2010). Financial education and counseling—Still holding promise. Journal of Consumer Affairs, 44(3), 483-498. https://doi.org/10.1111/j.1745-6606.2010.01179.x

Dijkstra, T. K., & Henseler, J. (2015). Consistent partial least squares path modeling. MIS Quarterly, 39(2), 297-316.

Dinc, Y., Cetin, M., & Jahangir, R. (2023). Revisiting the concept of Islamic financial literacy in a boundaryless context: Cross-country comparison of Islamic financial literacy. Journal of Islamic Accounting and Business Research, 14(8), 1364-1382. https://doi.org/10.1108/JIABR-02-2022-0043

Dinc, Y., Cetin, M., Bulut, M., & Jahangir, R. (2021). Islamic Financial Literacy Scale: An amendment in the sphere of contemporary financial literacy. ISRA International Journal of Islamic Finance, 13(3), 420-435. https://doi.org/10.1108/IJIF-07-2020-0156

Durak, İ., Öncü, M. A., & Kartal, O. (2020). Measuring Islamic financial literacy and discovering its relations with entrepreneurship among university students in Turkey. Bilimname, 2020(42), 215-242. https://doi.org/10.28949/bilimname.819736

Er, B., & Mutlu, M. (2017). Financial inclusion and Islamic finance: A survey of Islamic financial literacy index. Uluslararası İslam Ekonomisi ve Finansı Araştırmaları Dergisi, 3(2). https://doi.org/10.25272/j.2149-8407.2017.3.2.0

Falk, R. F., & Miller, N. B. (1992). A Primer for Soft Modeling. University of Akron Press.

FINRA. (2003). NASD investor literacy research: Executive summary.

Firdausi, M. R. A., & Kasri, R. A. (2022). Islamic financial literacy amongst Muslim students in Indonesia: A multidimensional approach. Al-Muzara’Ah, 2022, 77-94. https://doi.org/10.29244/jam.specialissue2022.77-94

Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39-50. https://doi.org/10.2307/3151312

Goyal, K., & Kumar, S. (2021). Financial literacy: A systematic review and bibliometric analysis. International Journal of Consumer Studies, 45(1), 80-105. https://doi.org/10.1111/ijcs.12605

Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2-24. https://doi.org/10.1108/ebr-11-2018-0203

Henseler, J., Hubona, G., & Ray, P. A. (2016). Using PLS path modeling in new technology research: Updated guidelines. Industrial Management & Data Systems, 116(1), 2-20.

Hidajat, T., & Hamdani, M. (2017). Measuring Islamic financial literacy. Advanced Science Letters, 23(8), 7173-7176. https://doi.org/10.1166/asl.2017.9321

Hung, A., Parker, A. M., & Yoong, J. (2009). Defining and measuring financial literacy. RAND Labor and Population.

Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296-316. https://doi.org/10.1111/j.1745-6606.2010.01170.x

Ib Rashid, M. H. (2020). Islamic banking and bank performance in Malaysia: An empirical analysis. Journal of Islamic Monetary Economics and Finance, 6(3), 487-502. https://doi.org/10.21098/jimf.v6i3.1197

Ilyana, S., Purna, F. P., & Friantoro, D. (2021). Islamic financial literacy and its effects on intention to use Islamic bank. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 4(2), 97-110. https://doi.org/10.12928/ijiefb.v4i2.2622

Junipa, J., & Sugiarti, D. (2024). Sharia financial literacy of Muslim employees and their interest in Sharia banking: Case study of Solok Regency Firefighters. Proceeding of The International Seminar on Business, Economics, Social Science and Technology (ISBEST), 4(1). https://doi.org/10.33830/isbest.v4i1.4833

Kamālī, Yaḥyā (2017). “The Methodology of Meta-Synthesis and Implications for Public Policy.” Faṣlnāmah-i Siyāsat, 47(3), 721-736. [In Persian]

Kevser, M., & Doğan, M. (2021). Islamic financial literacy and its determinants: A field study on Turkey. Journal Transition Studies Review, 28(1), 91-120. https://doi.org/10.14665/1614-4007-28-1-008

Khairunnisa, H. L. (2020). Islamic financial literacy: Developing instruments. Ekonomi Islam Indonesia, 2(1).

Kleinheksel, A. J., Rockich-Winston, N., Tawfik, H., & Wyatt, T. R. (2020). Demystifying content analysis. The American Journal of Pharmaceutical Education, 84(1), 7113. https://doi.org/10.5688/AJPE7113

Kline, R. B. (2023). Principles and Practice of Structural Equation Modeling. Guilford Publications.

KMT, L., & Nikzad, M. (2025). The impact of artificial intelligence (AI) implementation on Islamic financial literacy and global economic changes in the banking world. Journal of Islamic Economics and Business Ethics, 2(1), 23-43. https://doi.org/10.24235/jiesbi.v2i1.253

Korhonen, A., Hakulinen-Viitanen, T., Jylhä, V., & Holopainen, A. (2013). Meta-synthesis and evidence-based health care—A method for systematic review. Scandinavian Journal of Caring Sciences, 27(4), 1027-1034. https://doi.org/10.1111/scs.12003

Lawshe, C. H. (1975). A quantitative approach to content validity. Personnel Psychology, 28(4). https://doi.org/10.1111/j.1744-6570.1975.tb01393.x

Lusardi, A., & Mitchell, O. S. (2007). Financial literacy and retirement planning: New evidence from the Rand American Life Panel. Michigan Retirement Research Center Research Paper No. WP, 157. http://dx.doi.org/10.2139/ssrn.1095869

Lusardi, A., & Mitchell, O. S. (2011). Financial literacy and planning: Implications for retirement wellbeing (No. w17078). National Bureau of Economic Research. https://doi.org/10.3386/w17078

Lusardi, A., & Mitchell, O. S. (2023). The importance of financial literacy: Opening a new field. Journal of Economic Perspectives, 37(4), 137-154. https://doi.org/10.1257/jep.37.4.137

Lyons, A. C. (2003). Financial literacy education: What do students need to know to plan for the future. US House of Representatives.

Mandell, L. (2007). Financial literacy of high school students. In J. J. Xiao (Ed.), Handbook of Consumer Finance Research (pp. 163-183). Springer. https://link.springer.com/chapter/10.1007/978-0-387-75734-6_10

McGregor, S. L., & Alghamdi Hamdan, A. K. (2024). Measuring Islamic financial literacy. Financial Planning Research Journal, 10(1), 1-19.

Md Sapir @ Shafik, A. S., & Wan Ahmad, W. M. (2020). Financial literacy among Malaysian Muslim undergraduates. Journal of Islamic Accounting and Business Research, 11(8), 1515-1529. https://doi.org/10.1108/JIABR-10-2017-0149

Moore, D. (2003). Survey of financial literacy in Washington State: Knowledge, behavior, attitudes, and experiences. Technical Report No. 03-39, Washington State University.

Muslichah, I., & Sanusi, A. (2020). The effect of Islamic financial literacy and religiosity on the intention to use Islamic banking products. Asian Journal of Islamic Management, 2(1), 1-13.

Nawi, F. A. M., Ab Aziz, M. R., & Shahwan, S. (2022). Conceptualizing and operationalizing Islamic financial literacy: A multidimensional framework. Advanced International Journal of Banking, Accounting and Finance (AIJBAF), 4(11). 10.35631/AIJBAF.411002

Nawi, F. A. M., Daud, W. M. N. W., Ghazali, P. L., Yazid, A. S., & Shamsuddin, Z. (2018). Islamic financial literacy: A conceptualization and proposed measurement. International Journal of Academic Research in Business and Social Sciences, 8(12), 629-641. http://dx.doi.org/10.6007/IJARBSS/v8-i12/5061

O’brien, R. M. (2007). A caution regarding rules of thumb for variance inflation factors. Quality & Quantity, 41(5), 673-690. https://doi.org/10.1007/s11135-006-9018-6

Organisation for Economic Co-operation and Development. (2017). G20/OECD INFE report on adult financial literacy in G20 countries.

Osman, Z., Sapiei, N. S., & Abdullah, M. F. (2024). Islamic financial literacy, financial skills and self-efficacy towards financial management behaviour among Millennials in Malaysia. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-09-2021-0283

Ouachani, S., Belhassine, O., & Kammoun, A. (2021). Measuring financial literacy: A literature review. Managerial Finance, 47(2), 266-281. https://doi.org/10.1108/MF-04-2019-0175

Parhan, M., Rakhmat, A., Ashshidqi, M., Dewi, L., Edelweis, S., & Prayoga, F. (2022). Islamic financial planning: Konsep literasi keuangan syariah sebagai alternatif perencanaan financial bagi mahasiswa. Ekonomi Islam. https://doi.org/10.22236/jei.v13i1.8417

Qublan, A. I. M. A., & Yildiz, M. (2022). Determining the level of Islamic finance literacy: A research on FEAS and FIS students. Finans Ekonomi ve Sosyal Araştirmalar Dergisi, 7(3), 500-515. https://doi.org/10.29106/fesa.1148161

Rachman, A., Kartaatmadiya, N. P., Rasyra, Z. A., & Husniyyah, S. (2022). Strategies for improving the Sharia financial literacy index in the millennial generation in Indonesia. I-Finance: A Research Journal on Islamic Finance, 8(2), 152-169.

Ramadhani, H. (2019). Islamic behavior finance: Literature review. AFEBI Islamic Finance and Economic Review, 4(02), 132-139. https://doi.org/10.47312/aifer.v4i02.460

Reinartz, W., Haenlein, M., & Henseler, J. (2009). An empirical comparison of the efficacy of covariance-based and variance-based SEM. International Journal of Research in Marketing, 26(4), 332-344. https://doi.org/10.1016/j.ijresmar.2009.08.001

Rieger, M. O. (2020). How to measure financial literacy? Journal of Risk and Financial Management, 13(12), 324. https://doi.org/10.3390/jrfm13120324

Risman, A. (2024). The behavioral Islamic finance: Conceptual framework and literature review. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 7(2), 3216-3230.

Roemanasari, R. M., Suwitho, S., & Arifin, Z. (2022). Islamic financial literacy and financial behavior on investment intentions. Journal of Islamic Economics and Tax, 2(3), 132-140.

Sandelowski, M., Voils, C. I., & Barroso, J. (2006). Defining and designing mixed research synthesis studies. Research in the Schools, 13(1), 29.

Sarstedt, M., Ringle, C. M., & Hair, J. F. (2021). Partial least squares structural equation modeling. In Handbook of Market Research (pp. 587-632). Springer.

Setiawati, R., Nidar, S. R., Anwar, M., & Masyita, D. (2018). Islamic financial literacy: Construct process and validity. Academy of Strategic Management Journal, 17(4), 1-12.

Taber, K. S. (2018). The use of Cronbach’s alpha when developing and reporting research instruments in science education. Research in Science Education, 48(6), 1273-1296. https://doi.org/10.1007/s11165-016-9602-2

Triyawan, A., & Salsabila, F. (2021). The effect of psychosocial factors on Islamic financial literacy: Structural equation modelling-partial least square (SEM-PLS) approach. Journal of Islamic Economics and Philanthropy (JIEP), 4(2).

Walsh, D., & Downe, S. (2005). Meta-synthesis method for qualitative research: A literature review. Journal of Advanced Nursing, 50(2), 204-211. https://doi.org/10.1111/j.1365-2648.2005.03380.x

Zait, A., & Bertea, P. E. (2015). Financial literacy: Conceptual definition and proposed approach for a measurement instrument. The Journal of Accounting and Management, 4(3).

Zaman, Z., Mehmood, B., Aftab, R., Siddique, M. S., & Ameen, Y. (2017). Role of Islamic financial literacy in the adoption of Islamic banking services: An empirical evidence from Lahore, Pakistan. Journal of Islamic Business and Management, 7(2).