The Role of Sharia Financial Literacy, Sharia Financial Inclusion to Improve Performance of SMEs Customers of Bank Syariah Indonesia DIY
R. Heru Kristanto HC, Eny Endah Pudjiastuti, Lita Yulita

UPN Veteran Yogyakarta

Abstract

Bank behavior, financial literacy, financial inclusion, debt behavior and entrepreneurial investment greatly influence the economic growth of an industry. Strengthening these factors is the key to the successful progress of Bank Syariah Indonesia and also the performance of SMEs. The main objective of this article is to increase the role and influence of bank behavior, financial literacy, financial inclusion, and debt behavior on the investment decisions of Bank Syariah Indonesia Yogyakarta SMEs customers. Increasing the mediating role of financial inclusion, debt behavior on the influence of bank behavior, and financial inclusion on investment decisions.
This article is in the form of a proposition. Propositions are expressed in the form of statement sentences that show the relationship between two or more concepts. The proposition outlines the role of bank behavior, financial literacy, financial inclusion, debt behavior, and investment performance of SMEs
The proposition shows that: 1) Bank behavior influences financial inclusion. 2) Bank behavior influences debt behavior. 3) Financial literacy influences financial inclusion. 4) Financial literacy influences debt behavior. 5) Financial inclusion mediates the influence of bank behavior on investment decisions. 6) Debt behavior mediates the influence of financial literacy on investment decisions.
Bank Syariah Indonesia Yogyakarta^s policy recommendations are policies to improve bank behavior, financial literacy, financial inclusion, and efforts to increase customer investment in order to improve bank welfare and performance.

Keywords: Bank behavior, financial literacy, financial inclusion, investment behavior

Topic: Social Science