Purpose

This study aims to develop a valid and reliable Islamic financial literacy (IFL) scale that can capture all the segments of the Islamic financial sectors and which could be considered applicable for all jurisdictions across the globe.

Design/methodology/approach

To build the measure, this study followed a scale development process by collecting 698 a priori items from 81 respondents. Later, it generated an item pool through the analysis of the items with experts and gave the last form (40 items) to 287 respondents in Turkey with another IFL scale that is frequently used in the literature and a scale assessing religiosity. With explanatory factor analysis, the scale demonstrates a four-factor construct with 20 items. This construct provides good fit indexes and reliability scores.

Findings

Results of the correlation analysis and comparison of the fit indexes of alternative structures provided supportive evidence for discriminant and convergent validity of the scale and its sub-dimensions. As a result, an applicable scale is developed for countries where Islamic financial institutions are operating and where they are not.

Originality/value

One of the strengths of this study is that it represents a comprehensive scale development for the entire Islamic financial system, including banking, takāful (Islamic insurance) and fund management. In addition, the attempt to design an IFL scale applicable to any economy or individual is a pioneering attempt in the literature.

中文翻译：

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伊斯兰金融素养量表：当代金融素养领域的修订

目的

本研究旨在开发一个有效且可靠的伊斯兰金融素养 (IFL) 量表，该量表可以涵盖伊斯兰金融部门的所有部分，并且可以被认为适用于全球所有司法管辖区。

设计/方法/方法

为了建立衡量标准，本研究遵循了一个规模发展过程，从 81 名受访者那里收集了 698个先验项目。后来，它通过与专家一起分析项目生成了一个项目库，并使用文献中经常使用的另一个 IFL 量表和一个评估宗教信仰的量表将最后一个表格（40 个项目）提供给土耳其的 287 名受访者。通过解释性因素分析，该量表展示了一个包含 20 个项目的四因素结构。该构造提供了良好的拟合指数和可靠性分数。

发现

替代结构拟合指数的相关分析和比较结果为量表及其子维度的区分效度和收敛效度提供了支持性证据。因此，针对伊斯兰金融机构运营的国家和未运营的国家制定了适用的规模。

原创性/价值

一本研究的优势之一是它代表了整个伊斯兰金融体系，包括银行，综合化发展回教（伊斯兰教保险）和基金管理。此外，尝试设计适用于任何经济体或个人的 IFL 量表是文献中的开创性尝试。