PENGARUH LITERASI KEUANGAN TERHADAP PEMILIHAN LAYANAN KEUANGAN SYARIAH
DOI:
https://doi.org/10.26740/al-uqud.v2n2.p152-167Keywords:
Financial literacy, Sharia financial service, KnowledgeAbstract
This study aims to examine the influences of financial literacy which proxied by variables of education, income and knowledge on the selection of Sharia Financial Services in Jombang District. The data was primary data which obtained by method of spreading the questionnaire in the sub-districts with the largest moslem population in Jombang. Research period was in April to May 2017. Sampling method used is incidental sampling and analysis method used is Partial Least Square (PLS). The results of this study indicate that the level of education and income do not affect the selection of Sharia Financial Services in Jombang, while the level of knowledge affect the selection of Sharia Financial Services in Jombang. The implication of this research is that Sharia Financial Services in Jombang Regency is more influenced by knowledge variables, so the government is expected to increase the society insight through socialization about syariah financial literacy, and sharia products.
References
Ghozali, Imam. 2008. Structural Equation Modeling Metode Alternatif dengan Partial Least Square (PLS) edisi 2: Bada Penerbit Universitas Diponegoro.
Hilgert, M, Hogart , J & Beverly, S, 2003. Household financial management :The Connection between Knowledge and Behavior. Federal Reserve Bulletin,pp309-322.
Kasmir. 2012 . Manajemen Perbankan. Edisi Revisi. Penerbit PT. Raja Pers. Jakarta.
Mahdzan, N. S., dan Tabiani, S. 2013. The Impact of Financial Literacy on Individual Saving: an Exploratory Study in the Malaysian Context. Transformations in Business & Economics, Vol. 12, No 1 (28):41-55
Margaretha, F., dan Sari, S. M. 2015. Faktor Penentu Tingkat Literasi Keuangan Para Pengguna Kartu Kredit di Indonesia. Jurnal Akuntansi Dan Investasi, Vol. 16, No.2
Muat, S.,Miftah, D., dan Wulandari, H. 2014. Analisis Tingkat Literasi Keuangan dan Dampaknya Terhadap Keputusan Pinjaman Pribadi. Proceeding 3rd Economics and Business Research Festival , FEB UKSW. 465-478
Notoatmodjo, S. 2007. Promosi Kesehatan dan Ilmu Perilaku. Jakarta : Rineka Cipta
Notoatmodjo, S. 2010. Metodologi Penelitian Kesehatan. Jakarta : Rineka Cipta
Otoritas Jasa Keuangan. 2016. Peraturan Otoritas Jasa Keuangan No 7 Tahun 2016 tentang Peningkatan Literasi Dan Inklusi Keuangan Di Sektor Jasa Keuangan Untuk Konsumen Dan/Atau Masyarakat. Jakarta: OJK.
Sardiana, A. 2016. The Impact of Literacy to Shariah Financial Service Preferences. Etikonomi, Volume 15 (1), Page 43.
Scheresberg, C. d. B. 2013. Financial Literacy and Financial Behavior among Young Adults: Evidence and Implications. Scholar Commons, vol.6(Iss.2). diakses dari http://scholarcommons.usf.edu/numeracy/vol6/iss2/art5
Setyawati, I., dan Suroso, S. 2016. Sharia Financial Literacy And Effect On Social Economic Factors (Survey On Lecturer In Indonesia). International Journal Of Scientific & Technology Research, Vol. 5
Sugiyono. 2011. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.
Tsalitsa, A., dan Rachmansyah, Y. 2016. Analisis Pengaruh Literasi Keuangan dan Faktor Demografi terhadap Pengambilan Kredit pada PT. Columbia Cabang Kudus. Media Ekonomi Dan Manajemen, Vol. 31 No. 1.
Utami, Ariani., dan Sumaryono. 2008. Pembelian Impulsif Ditinjau Dari Kontrol Diri Dan Jenis Kelamin Pada Remaja. Jurnal Psikologi Proyeksi, UGM, Vol.3 No.3.
Xiao, Jian. J., dan Ahn, S. Y., dan Serido, J., dan Shim, S. 2014. Earlier Financial Literacy and Later Financial Behavior Of College Students. International Journal of Consumer Studies.
www.jombangkab.bps.go.id, diakses 9 November 2016
www.ojk.go.id, diakses 8 November 2016
www.bps.go.id, diakses 29 Oktober 2016
www.hukumonline.com, diakses 3 Februari 2017
Downloads
Published
How to Cite
Issue
Section
License
CC BY 4.0
Abstract views: 2350
,
PDF Downloads: 1450
