Tingkat Literasi Keuangan Syariah Pedagang Pasar di Kota Padangsidimpuan

Rizal Ma'ruf Amidy Siregar

Abstract


Padangsidimpuan city as one of the cities in North Sumatra Province, is an integral part of advancing Islamic banking in Indonesia in general, and in North Sumatra in particular. The development of Islamic banking in Padangsidimpuan cannot be separated from the role of merchant as customers of Islamic banks in Padangsidimpuan, both as saving and financing customers. The biggest market in Padangsidimpuan is Sangkumpal Bonang and its surroundings, which is the center of economic activity of the city. This study aims to find out how the literacy level of Sangkumpal Bonang’s merchant to sharia financial products. This study discusses the difference in sharia financial literacy of Sangkumpal Bonang’s merchant based on age, the last education and the average incomes per month,  using descriptive analysis methods and Chi-Square. This study proves that the higher the level of respondents formal education, the higher their sharia financial literacy rate. Likewise, the respondent's income level, the higher the average income per month, the higher their sharia financial literacy rate. While based on age, there is no difference in the level of respondents’ sharia financial literacy.


References


Cole, Shawn, Thomas Sampson, dan Bilal Zia. 2009. “Financial Literacy, Financial Decisions, and the Demand for Financial Services: Evidence from India and Indonesia”. Harvard Business School Working Paper. Vol. 09. Hal.117.

Departemen Agama RI. 2005. Al-Quran dan Terjemahan. Jakarta: CV. Penerbit J-Art.

Hall, Keith. The Importance Of Financial Literacy disampaikan pada Conference on Deepening Financial Capacity in the Pacific Region, Sydney, 25 Augustus 2008.

Hasibuan, Melayu SP. 2009. Dasar-dasar Perbankan. Jakarta: PT. Bumi Aksara.

Hasyim, Musyafiq dan Abdullah Salam. 2015. “Analisis Pengaruh Pendidikan Dan Pekerjaan Terhadap Pengetahuan Produk Perbankan Syari’ah (Studi Kasus Kepala Keluarga di Dukuh Krapyak Kulon, Panggungharjo, Sewon, Bantul, Yogyakarta Tahun 2013)”. Jurnal Ekonomi Syariah Indonesia. Vol. 5 No.1.

Hidayat, Sutan Emir. 2015. “Meningkatkan Preferensi Publik terhadap Keuangan Syariah”. Iqtishodia: Jurnal Ekonomi Islam Republika.

Huston, S. J. 2010. “Measuring Financial Literacy”. The Journal of Consumer Affairs. Vol. 44 No.2.

Ismail. 2011. Perbankan Syariah. Jakarta: Kencana.

Karim, Adiwarman A. 2010. Bank Islam Analisis Fiqh dan Keuangan. Jakarta: Rajagrafindo Persada.

Kasmir. 2004. Manajemen Perbankan. Jakarta: PT.RajaGrafindo Persada.

Lusimbo, N. E. dan W. Muturi. 2003. “Financial Literacy and The Growth of Small Enterprises in Kenya: A Case of Kakamega Central Sub-Country, Kenya”. International Journal of Economics, Commerce and Management. Vol.4 No.2. Hal. 828-845.

Morissan, dkk. 2012. Metode Penelitian Survei. Jakarta: Kencana Prenada Media Group.

Muflihani, Zara Fathia. 2015. “Tingkat Literasi Pelaku Usaha Mikro terhadap Perbankan Syariah”. Iqtishodia: Jurnal Ekonomi Islam Republika.

Muhammad. 2008. Metodologi Penelitian Ekonomi Islam. Jakarta: Rajawali Pers.

Oseifuah, Emmanuel K. 2010. “Financial Literacy and Youth Entrepreneurship in South Africa, African”. Journal of Economic and Management Studies. Vol. 1 No. 2.

Otoritas Jasa Keuangan. 2013. Edukasi dan Perlindungan Konsumen diakses melalui situs: http://www.ojk.go.id/id/kanal/edukasi-dan-perlindungan- konsumen/Pages/Literasi-Keuangan.aspx tanggal 2 Januari 2018.

Otoritas Jasa Keuangan. 2016. Industri Jasa Keuangan Syariah. Jakarta: Otoritas Jasa Keuangan.

Perwataatmadja, Karnaen dan Muhammad Syafi’i Antonio. 1992. Apa Dan Bagaimana Bank Islam. Yogyakarta: Dana Bhakti Wakaf.

Priyanto, Dwi. 2014. SPSS 22 Pengolahan Data Terpraktis. Yogjakarta: Andi.

Remund, D. L. 2010. “Financial Literacy Explicated: The Case for a Cleaner Definition in an Increasingly Complex Economy”. The Journal of Consumer Affairs. Vol. 44 No. 2.

Sugiyono. 2012. Metode Penelitian Bisnis. Bandung: Alfabeta.

Sumitra, Warkum. 1996. Azas-Azas Perbankan Islam dan Lembaga Terkait (BMUI dan Takaful) di Indonesia. Jakarta: Raja Grafindo Persada.

Suwiknyo, Dwi. 2009. Kamus Lengkap Ekonomi Islam. Jakarta: Total Media.

Widayani, Irin. 2010. “Faktor-faktor yang mempengaruhi Literasi Finansial Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya”. ASSET : Jurnal Akuntansi dan Pendidikan. Volume 1. Nomor 1.

Zulkifli, Sunarto. 2003. Panduan Praktis Transaksi Perbankan Syariah. Jakarta: Zikrul Hakim.




DOI: https://doi.org/10.24252/iqtisaduna.v4i2.6243

Refbacks

  • There are currently no refbacks.


============================================

Indexed by:

         Hasil gambar untuk sinta ristekdikti

============================================

Flag Counter

 ============================================

Creative Commons License Jurnal Iqtisaduna is licensed under a Creative Commons Attribution 4.0 International License.

© All rights reserved 2017. Jurnal Iqtisaduna. ISSN: 2460-805X, e-ISSN: 2550-0295