Materi Dakwah dalam Literasi Keuangan Syariah (Studi Kasus Mobile Banking di Hijra Bank dan Start Up ALAMI)

The research on Da'wah Material in Islamic Financial Literacy (on the Hijra Bank mobile banking application and the Alami P2P start-up) is particular because the object of the study is a unique application used by Islamic financial institutions, banks, and non-banks. This research can also support the OJK program regarding Laku Pandai (Financial services without offices in the context of inclusive finance) and the Bank Indonesia program. Branchless Banking. This research is increasingly attractive to study because it looks at the 2019 Master Plan from the Financial Services Authority in the third point, namely, the digitalization of financial service products and the use of technology. From the explanation above, the researcher is interested in analyzing mobile banking and inclusive finance in relation to the performance of Islamic banking in Indonesia. Financial attitudes have an essential influence on achieving financial well-being because attitudes will determine behavior in decision-making. The younger generation not only faces the increasing complexity of various financial products, services, and markets. They will have to bear more financial risks in the future than previous generations. Therefore, financial attitudes play an essential role in personal financial management. So, this study aims to determine the effect of financial literacy, financial planning, and financial attitudes simultaneously on personal financial management. The obstacles that must be resolved include the low market share of Islamic finance from total national assets; also, in terms of the inclusion index, Islamic finance is still far behind the national index. Another thing is the Islamic business model, which is minimal, so innovations are needed from actors in the Islamic finance industry (Islamic banking). Also, qualified technology is necessary, considering today's technology is increasingly sophisticated. Also important are human resources (HR), which have expertise in Islamic finance in terms of quantity and quality (Bank Indonesia, 2021). One of the advantages of the Islamic banking industry lies in the financing base carried out. One is the underlying asset, or a contract model with the real economy as carried out by the government's Islamic banking, which merged (becoming Bank Syariah Indonesia).