This is an outdated version published on 2021-06-30. Read the most recent version.

Factors Affecting Sharia Banking Literacy

Authors

  • Joni Hendra universitas panca marga
  • Mutimmah Rustianawati Universitas Panca Marga Probolinggo
  • Dwi Rahayu Universitas Panca Marga Probolinggo

Abstract

Islamic financial literacy is expected to be able to increase knowledge and change people's behavior in making decisions to manage finances well to achieve their welfare. Therefore, the factors that influence the community's level of Sharia banking literacy are individual characteristics, promotions, and government factors. The objective of this research is to test the effect of individual characteristics, promotions, and government factors on Islamic banking literacy. This research uses a quantitative method with an associative approach. The population of this research is all members of fundraisers at BMT UGT Sidogiri Paiton Probolinggo as many as 437 customers, While the customers who were selected as respondents were based on customers who happened to visit during January-March 2020, as many as 98 respondents. The results of the F test show that the independent variables (individual characteristics, promotions, and government factors) simultaneously have a significant effect on Islamic banking literacy, While the t-test results show that partially individual characteristics have an effect of 20.2% on Islamic banking literacy, the promotion has an effect of 36.4% on Islamic banking literacy and government factors have an effect of 34.6% on Islamic banking literacy. So that the results of hypothesis testing both simultaneously and partially prove that individual characteristics, promotions, and government policies have a significant effect on Islamic banking literacy.

Downloads

Download data is not yet available.

References

Akmal, H. (2016). Analisis Tingkat Literasi Keuangan. Institut Agama Islam Negeri Imam Bonjol Padang: Jurnal Ekonomi dan Bisnis Islam. Vol. 1, No. 2.

Isnurhadi. (2013). Kajian Tingkat Literasi Masyarakat Terhadap Perbankan Syariah. Universitas Sriwijaya: Laporan Hasil Penelitian.

Itang. (2014). Kebijakan Pemerintah Tentang Lembaga Keuangan Syariah Era Reformasi. IAIN Sultan Maulana Hasanudin Banten: Ahkam Vol. XIV, No. 2.

Kesa, D. D. (2016). Tata Kelola dan Metode Promosi Industri Perbankan Dalam Meningkatkan Pemahaman Literasi Keuangan Nasabah. Jurnal Vokasi Indonesia. Vol. 4, No. 2.

Laoh, Jeschrist. Sendow, Greis M. Uhing, Yantje. (2019). Pengaruh Karakterstikistik Individu Dan Kompetensi Sumber Daya Manusia Terhadap Kinerja Karyawan . Universitas Sam Ratulangi Manado. Jurnal EMBA ISSN: 2303-1174 Vol.7, No.4. Hal. 4620-4629.

Moses, R. M., Astuti, E. S. Hakam, M. S. (2014). Pengaruh Karakterstikistik Individu Dan Karakterstikistik Pekerjaan Terhadap Prestasi Kerja Karyawan. Universitas Brawijaya: Jurnal Administrasi Bisnis. Vol. 12, No. 1.

Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia. Jakarta: Tirta Segara.

_______ (2019). Indeks Literasi dan Inklusi Keuangan Meningkat. Jakarta: Tirta Segara.

Robbins, Stephen P dan Judge, Timothy A. (2017). Perilaku Organisasi Organization Behavior. Jakarta: Salemba Empat.

Soetiono, S. Kusuma dan Setiawan, Cecep. (2018). Literasi dan Inklusi Keuangan Indonesia. Depok: Rajawali Pers.

Sunyoto, D. (2015). Perilaku Konsumen dan Pemasaran Panduan Riset Sederhana untuk Mengenali Konsumen. Yogyakarta: CAPS.

Sugiyono. (2014). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.

Sumarwan, U. (2015). Perilaku Konsumen Teori dan Penerapannya dalam Pemasaran Edisi Kedua. Bogor: PT. Ghalia Indonesia.

Sujarweni, V. W. (2015). Metodologi Penelitian: Bisnis & Ekonomi, Cetakan Kesatu. Yogyakarta: Pustaka Baru Press.

Titisari, P . dan Susanto, A. B. (2020). Model Preferensi Konsumen Terhadap Perbankan Syariah. Jurnal STIE SEMARANG VOL 12 No 1 Edisi Februari 2020 ( ISSN: 2085-5656, e-ISSN :2232-7826).

Downloads

Published

2021-06-30

Versions

Issue

Section

Articles