Empirical Evidence of the Impact of Islamic Financial Inclusion on Human Welfare of Maqashid Sharia Perspective in Indonesia

AbstractPurpose – The study aims to determine the effect of Islamic financial inclusion using 3 (three) dimensions, namely accessibility, availability, and use (usage banking services) in Indonesia on concept welfare which includes 5 (five) elements: protection (hifz) religion (din), mind ('aql), soul (nafs), offspring (nasl), property (mal).Methodology - components are represented by several variables: total number third-party funds financing, deposit accounts, Automated Teller Machines (ATM) banking. Meanwhile, Human Development Index (I-HDI) is a suggested variable that represents perspective maqashid sharia. research data used annual from 2010-2019 then analyzed multiple linear regression method. Findings result shows has significant people's Indonesia. Variable availability (availability) services have real influence, but not so accessibility (accessibility). increase indicated financing will also improve human welfare.Keywords: inclusion, (I-HDI), material index (MWI), non-material (NWI),