Kemudahan, Manfaat, dan Promosi sebagai Determinan Inklusi Keuangan Syariah UMKM di Kabupaten Padang Lawas Utara

Islamic financial inclusion among Micro, Small, and Medium Enterprises (MSMEs) remains an important issue, particularly in relation to access to and utilization of Sharia-compliant financial services. This study aims to examine the effects of ease of use, perceived benefits, and promotion on Islamic financial inclusion among MSMEs in North Padang Lawas Regency. A quantitative survey was conducted involving 100 MSME operators selected using purposive sampling. Data were collected through a five-point Likert-scale questionnaire and analyzed using multiple linear regression, t-test, F-test, and the coefficient of determination. The results indicate that ease of use (B = 0.166; p = 0.027), perceived benefits (B = 0.342; p < 0.001), and promotion (B = 0.365; p < 0.001) each have a positive and significant effect on Islamic financial inclusion. Simultaneously, the three variables significantly explain variation in Islamic financial inclusion (F = 37.298; p < 0.001; R² = 0.538). Promotion has the highest standardized coefficient (β = 0.399), followed by perceived benefits (β = 0.343) and ease of use (β = 0.177). These findings indicate that information, education, and communication concerning Sharia-compliant financial services are relevant to Islamic financial inclusion among MSMEs in the study context.