Islamic Agility Investment (IAI) Approach in Financial Inclusion

Islamic Agility Investment (IAI) Approach in Financial Inclusion


  • Yuyun Ristianawati Yuyun STIE Totalwin
  • Setyo Budi Hartono Fakultas Ekonimi dan Bisnis Islam, Universitas Islam Negeri Walisongo Semarang



Financial Inclusion, Islamic Agility Investment, Financial Performance


The concept of Islamic Agility Investment (IAI) is a development of strategic agility diversification investment (SADI) in the area of benevolent funds for Islamic financial institutions. The aim is to open up financial inclusion in financing contracts such as mudharabah and musyarakah. SADI is derived from the two basic theories of RBT and portfolios which through the Qur'anic approach receive treatment in the form of morality, kindness, and empathy. While the methodology used is to mix the derivations of each of these basic theories in producing a slick IAI proposition. As a result, IAI becomes a tool in non-financial measurement that is used to assess the morals, trust, and seriousness of customers in obtaining soft working capital in benevolent funds.


Download data is not yet available.


Ali, A. E. E. S. (2019). Empowering Women through Financial Inclusion: Some Evidence from Comoros. International Journal of Asian Social Science, 9(2), 256-270

Allen, F, Demirguc-Kunt, A, Klapper, L and Martinez Peria, M.S. (2016), The Foundations of Financial Inclusion: Understanding Ownership and Use of Formal Accounts, Journal of Financial Intermediation, 27, 1-30.

Arokodare, M. A. & Asikhia, O.U. (2020). Strategic Agility: Achieving Superior Organizational Performance through Strategic Foresight, Global Journal of Management and Business Research (A), XX(III), pp. 7-16.

Ayyagari, M., & Beck, T. (2015). Financial inclusion in Asia: An overview. Asian Development Bank Economics Working Paper Series, No. 449, 1-21.

Basu, Swastha, (2008). Manajemen Pemasaran. Edisi Pertama. Yogyakarta, BPFE – YOGYAKARTA.

Bongomin, G. O. C., Munene, J. C., Ntayi, J. M., & Malinga, C. A. (2018). Analyzing the relationship between institutional framework and financial inclusion in rural Uganda: A social network perspective. International Journal of Emerging Markets, 13(4), 606-630.

Chen, R., & Divanbeigi, R. (2019). Can Regulation Promote Financial Inclusion? The World Bank. Policy Research Working Paper, No. 8711, 1-16.

Comparato, G. (2015). The rationales of financial inclusion in the changing European private law. European Review of Contract Law, 11(1), 22-45.

Corrado, G., & Corrado, L. (2015). The geography of financial inclusion across Europe during the global crisis. Journal of Economic Geography, 15(5), 1055-1083.

Hartono, S.B., Hajar, I., Ristianawati Y., and Budiarto A. (2019). ISFA-As Intervening Financial Literacy and Culture towards Organisational Financial Performance: A Transformational Leadership Approach. International Journal of Innovation, Creativity and Change, 8(6), 47-66.

Kim, D. W., Yu, J. S., & Hassan, M. K. (2018). Financial inclusion and economic growth in OIC countries. Research in International Business and Finance, 43, 1-14.

Kim, D. W., Yu, J. S., & Hassan, M. K. (2018). Financial inclusion and economic growth in OIC countries. Research in International Business and Finance, 43, 1-14.

Kimmitt, J., & Munoz, P. (2017). Entrepreneurship and financial inclusion through the lens of instrumental freedoms. International Small Business Journal, 35(7), 803-828.

Kosack, E., Stone, M., Sanders, K., Aravopoulou, E., Biron, D., Brodsky, S., ... &

Usacheva, A. (2021). Information management in the early stages of the COVID19 pandemic. The Bottom Line. Information management in the early stages of the COVID-19 pandemic. The Bottom Line. The Bottom Line (New York, N.Y.), 34(1), 20-44.

Ristianawati, Y. Ghoniyah, N. and Hartono, S. B. (2021). Strategic Agility Diversification Investment: Islamic Financial Inclusion on the Financial Performance of Sharia Banks. Annals of R.S.C.B. 25(4), 2937-2945.

Sahay, R., Čihák, M., N'Diaye, P. M. B. P., Barajas, A., Mitra, S., Kyobe, A., ... & Yousefi, S. R. (2015). Financial inclusion: can it meet multiple macroeconomic goals? IMF Staff Discussion Notes, No. 15/17, 1-33. Washington, DC: International Monetary Fund.

Shetty, S., & Hans, V. (2018). Women Empowerment in India and Financial Inclusion Barriers. International Journal of Management Sociology and Humanities, 9(3), 344-352.

Yi, J., Zhang, R., & Guo, F. (2018). Can Micro-Credit Promote Financial Inclusion? The Evidence from China. Journal of Financial Risk Management, 7(4), 428-441.




How to Cite

Yuyun, Y. R., & Hartono, S. B. (2021). Islamic Agility Investment (IAI) Approach in Financial Inclusion: Islamic Agility Investment (IAI) Approach in Financial Inclusion. International Journal of Seocology, 4(02), 088–096.