Analisis Inklusivitas Keuangan Pada Sektor Perbankan Syariah di Indonesia Periode 2021 Q1-2023 Q4

This study aims to analyze the level of financial inclusivity in the Islamic banking sector in Indonesia during the period 2021Q1–2023Q4 using the Index of Financial Inclusion (IFI) method. The data used includes the amount of third-party funds (DPK) of Islamic banking, the number of Islamic banking service offices, the number of population, the amount of financing, and the Gross Regional Domestic Product (GDP) per quarter. The data was obtained from the Sharia Banking Statistical Report released by the Financial Services Authority (OJK), the Indonesian Statistical Report, and the Provincial GDP Report. The results of the study show that the average accessibility dimension has a relatively low value of 0.07, with an average actual value of IDR 1,890,000,000 per 1,000 residents. The availability dimension is also low with an average index of 0.05, indicating that only one unit of Islamic banking service office is available for every 100,000 residents. Meanwhile, the utilization dimension recorded an index of 0.13 which was also low, although the average actual value reached Rp137.7 billion in the form of financing. Nanggroe Aceh Darussalam Province (NAD) stands out with a usage index of 0.92 and an average financing of Rp944.95 billion, showing a high level of Islamic financial inclusion. This research underscores the importance of increasing financial literacy, expanding service networks, and digital innovation in encouraging more equitable Islamic financial inclusivity in Indonesia.