Purpose

The purpose of this study is to analyse, firstly, whether education, financial inclusion, financial literacy and financial planning can be antecedents that affect Islamic welfare and, secondly, whether productivity can be a mediator to improve Islamic welfare.

Design/methodology/approach

This study involved quantitative research using data obtained from a survey. The respondents were 538 Muslim families in East Java, Indonesia. Structural equation modelling was used for the analysis.

Findings

This study tested 13 hypotheses, of which 10 were accepted. The accepted hypotheses refer to the effects of financial literacy on productivity, financial inclusion on productivity, financial planning on productivity, financial planning on Islamic welfare, education on Islamic welfare, productivity on Islamic welfare, financial literacy and productivity on Islamic welfare, financial inclusion and productivity on Islamic welfare and financial planning and productivity on Islamic welfare, as well as the effects of financial inclusion on Islamic welfare. Meanwhile, three hypotheses were not accepted; they refer to the effects of financial literacy on Islamic welfare, the effect of education on productivity, as well as the impact of education and productivity on Islamic welfare.

Research limitations/implications

The study was conducted only with respondents living in East Java, so the results depict the condition of Muslim families’ welfare in East Java.

Originality/value

Research into the antecedents of Islamic welfare has received little academic attention, so this study explores how education, financial inclusion, financial literacy, financial planning and productivity could affect Islamic welfare among Muslim families.

中文翻译：

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伊斯兰福利的前身：生产力、教育和财务方面

目的

本研究的目的是首先分析教育、普惠金融、金融知识和财务规划是否可以成为影响伊斯兰福利的先决条件，其次分析生产力是否可以成为改善伊斯兰福利的中介因素。

设计/方法论/途径

这项研究涉及使用调查数据进行定量研究。受访者是印度尼西亚东爪哇省的 538 个穆斯林家庭。使用结构方程模型进行分析。

发现

这项研究测试了 13 个假设，其中 10 个被接受。公认的假设是指金融素养对生产力的影响、金融普惠对生产力的影响、财务规划对生产力的影响、财务规划对伊斯兰福利的影响、教育对伊斯兰福利的影响、生产力对伊斯兰福利的影响、金融素养和生产力对伊斯兰福利的影响、金融普惠和生产率对伊斯兰福利的影响。生产力对伊斯兰福利的影响、金融规划和生产力对伊斯兰福利的影响，以及金融包容性对伊斯兰福利的影响。同时，三个假设没有被接受；它们提到了金融知识对伊斯兰福利的影响、教育对生产力的影响以及教育和生产力对伊斯兰福利的影响。

研究局限性/影响

该研究仅针对居住在东爪哇的受访者进行，因此结果反映了东爪哇穆斯林家庭的福利状况。

原创性/价值

对伊斯兰福利的前因的研究很少受到学术界的关注，因此本研究探讨了教育、金融普惠、金融知识、财务规划和生产力如何影响穆斯林家庭的伊斯兰福利。