scholarly journals Persepsi masyarakat tentang hukum syariah menabung di Bank dan tingkat literasi keuangan syariah

2019 ◽  
Vol 2 (2) ◽  
pp. 135-145
Author(s):  
Atep Hendang Waluya
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Quantitative Methods ◽  
Primary Data ◽  
Islamic Banks ◽  
The People ◽  
Literacy Level ◽  
Conventional Banks ◽  
The Relationship ◽  
The City

This study has three objectives. First, to find out the people of Tangerang City perception aboutsharia law regarding saving in Islamic and conventional banks. Second, to find out their Islamicfinancial literacy level. And third, to determine the relationship between their perceptions and theirIslamic financial literacy level. This study uses quantitative methods with primary data collectedby integrating questionnaires in 13 sub-districts in the city of Tangerang. The method used todetermine the number of samples is the Slovin formula, while data analysis uses the Kendall’sTau correlation. This study produced several findings. First, the perception of the Tangerang citypeople about the law of saving in Islamic banks is dominated by the answer recommended, whilethe saving law in conventional banks according to the majority of the people of Tangerang City ispermissible. Second, the level of sharia financial literacy in Tangerang City is low, with the lowestindicators are their skills in using Islamic financial services. Third, there is a strong relationshipbetween the people of Tangerang City perception about sharia law saving in banks with the levelof Islamic financial literacy.

Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan Masyarakat terhadap Minat Menabung di Bank Syariah

2020 ◽  
Vol 3 (2) ◽  
pp. 140-153
Author(s):  
Resti Fadhilah Nurrohmah ◽  
Radia Purbayati
Keyword(s):  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Public Trust ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Public Confidence ◽  
Islamic Banks ◽  
Variable Level ◽  
Analysis Technique ◽  
The City

The purpose of this study was to study the level of Islamic financial literacy and public confidence in the interest in saving in Islamic banks. The variables in this study are the level of Islamic financial literacy (X1), public trust (X2), and interest in saving (Y).The method of this study is descriptive quantitative approach. The data source of this study are primary data obtained by distributing questionnaires. Respondents taken are residents in the city of Bandung, with samples domiciled in the city of Bandung and at least 17 years old. The data analysis technique uses multiple linear regression analysis. The results showed that the variable level of islamic financial literacy and public trust has positive effect in the interest in saving in Islamic banks. The findings in this study provide a reference to Islamic banks, the level of literacy and public trust regarding interest in saving, therefore Islamic banks must socialize to the public.

scholarly journals FINANCIAL LITERACY AND FINANCIAL INCLUSION ON THE FINANCIAL PLANNING OF THE CITY OF PALEMBANG

2021 ◽  
Vol 5 (1) ◽  
pp. 19-32
Author(s):  
Wani Fitriah
Keyword(s):  
Financial Literacy ◽  
Financial Planning ◽  
Linear Regression Analysis ◽  
T Test ◽  
Financial Inclusion ◽  
Primary Data ◽  
Coefficient Of Determination ◽  
F Test ◽  
The People ◽  
The City

The formulation of the problem in this study was is there the  influence of financial literacy and financial inclusion on the financial planning of the people of Palembang. This study aimed to determine the influence of finacial literacy and finacial inclusion on the financial planning of the city of the Palembang. In this research used infinite population and the number of sample was 200 respondents. The data used in this study was primary data. The technique used for collecting the data was questionnaire. At the analysis stage used is qualitative data quantitative. The analysis technique used was the test instrument consisting of validity and reliability tests, while the data analysis techniques were descriptive and inferential statistics in the form of a classic assumption test (normality test and multicolliniarity test), multiple linear regression analysis, hypothesis testing (F test and t test ) and the coefficient of determination. The results showed that based on the F test (together) for financial literacy and financial inclusion variables had a positive and significant effect on the financial planning of the people of Palembang. While the results of the t test (individually) the financial literacy variable had a positive and significant influence on the financial planning of the people of Palembang. While the financial inclusion variable had no influence and no significant  on the financial planning of the Palembang city community.

scholarly journals Association Analysis Of Gender, Job Type, Education Level, Income Level, Religion And Spirituality Levels Against The Type Of The Selected Bank Community In Indonesia

2020 ◽  
Vol 3 (1) ◽  
pp. 33
Author(s):  
Adzan Noor Bakri
Keyword(s):  
Income Level ◽  
Education Level ◽  
Islamic Banks ◽  
Religion And Spirituality ◽  
The People ◽  
Analysis Technique ◽  
Gender Education ◽  
Conventional Banks ◽  
Relationship Of ◽  
The Relationship

<em>This study aims to analyze and explore the relationship of demographic aspects of society, including gender, education level, income level, occupation, religion, and spiritual level towards the types of banks that used by the people of Indonesia. The research method used is descriptive quantitative method with  correspondence analysis technique.  200 communities have been chosen as a sample. They are the customers of conventional banks, sharia banks, or  both of them. The results of this study argue  that, not all demographic aspects of society have association or relationship with the type of bank selected by respondents. Only religion and spiritual level aspects have real associations. Muslim respondents are more likely to choose Islamic banks than non-multifarious respondents. Respondents with high spiritual level tend to be associated with sharia banks rather than low ones. This research can be used for the marketing designer as one of the basic determines for the marketing strategy of the bank.</em>

scholarly journals Financial Literacy of the Banking Sector in Micro and Small Business in Semarang

2020 ◽  
Author(s):  
Karsinah . ◽  
Nurjannah Rahayu Kistanti ◽  
Phany Ineke Putri
Keyword(s):  
Small Business ◽  
Financial Literacy ◽  
Small Businesses ◽  
Banking Sector ◽  
Secondary Data ◽  
Personal Finance ◽  
Primary Data ◽  
General Knowledge ◽  
Literacy Level ◽  
The City

The purposes of this research are to analyze the characteristics and financial literacy of MSMEs in Semarang. The data used are primary data and secondary data. The method used in this study is descriptive quantitative. The sample in this study were small micro-businesses and small businesses in the city of Semarang. The level of financial literacy in Semarang by giving questions as many as 28 questions taken and modified from Chen and Volpe. The results showed that 79% of MSMEs literacy in Semarang was in the medium category, 18% low and 3% high. If viewed further on the financial literacy of MSMEs, it is divided into 4 aspects, they are personal finance knowledge, savings and debts, Investments and insurance aspects. The average MSMEs for general knowledge of personal finance in the medium category was 76.60%, the savings and debts dimension medium category 81.91%, the investment aspect was the medium category 45.74% and the low category 59.57% of MSMEs financial literacy for insurance. This shows that the financial literacy level of SMEs in Semarang still needs to be improved in order to be able to compete and improve business. Keywords: literacy, financial, banking, micro and small business

scholarly journals Equivalence of Islamic Financial Literation Index with Islamic Financial Inclusion Index in The Islamic Banking Sector: A Case Study of DIY Society

2019 ◽  
Vol 10 (2) ◽  
pp. 255
Author(s):  
Miftakhul Khasanah
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Quantitative Methods ◽  
Banking Sector ◽  
Financial Inclusion ◽  
Public Access ◽  
Islamic Banking ◽  
Services Sector ◽  
The Relationship

<p><strong>Abstract:</strong> The purpose of this research is to find out and analyse the relationship between the Islamic financial literacy index and the Islamic financial inclusion index of the DIY community in the Islamic banking sector. The research uses descriptive quantitative methods. Data collection was carried out by distributing 663 questionnaires in the DIY province. The calculation of the index of Islamic financial literacy and inclusion was carried out by referring to the OJK calculation and Sharma method. From the results of the calculation of the Islamic financial literacy index in DIY Province, the results were 32.47% while the Islamic financial literacy index, specifically for the Islamic banking sector was 26.15%. This result is much higher than the calculation of the Islamic financial literacy index conducted by OJK in 2016. Financial literacy is closely related to financial inclusion so that there needs to be conformity and continuity between both of them. Achievement of financial literacy and inclusion strategies will be more efficient if carried out together so that the achievement of public access to the financial services sector can be done more optimally and can utilise financial products and services that are suitable to achieve sustainable economic prosperity.</p><p><strong>Abstrak:</strong> Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis keterkaitan antara indeks literasi keuangan syariah dan indeks inklusi keuangan syariah masyarakat DIY pada sektor perbankan Syariah. Penelitian menggunakan metode kuantitatif deskriptif. Pengumpulan data dilakukan dengan menyebarkan kuisioner di propinsi DIY. Perhitungan indeks literasi dan inklusi keuangan syariah dilakukan dengan merujuk pada perhitungan OJK dan metode Sharma. Dari hasil perhitungan indeks literasi keuangan Syariah di Propinsi DIY didapatkan hasil sebesar 32,47% sedangkan indeks literasi keuangan Syariah khusus untuk sektor perbankan syariah adalah 26,15%. Hasil ini jauh lebih tinggi daripada perhitungan indeks literasi keuangan syariah yang dilakukan OJK di DIY pada tahun 2016. Pencapaian strategi literasi dan inklusi keuangan akan lebih efisien jika dilakukan secara bersama-sama sehingga pencapaian akses masyarakat ke sektor jasa keuangan dapat dilakukan dengan lebih optimal dan dapat memanfaatkan produk dan layanan jasa keuangan yang sesuai untuk mencapai kesejahteraan keuangan yang berkelanjutan.</p>

scholarly journals Descriptive Analysis of Financial Literacy SMEs in Bandung

2021 ◽  
Vol 12 (1) ◽  
pp. 9-15
Author(s):  
Asni Harianti ◽  
Maya Malinda ◽  
Miki Tjandra ◽  
Devas Kambuno
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Management Training ◽  
Primary Data ◽  
Five Dimensions ◽  
The Government ◽  
The City

One of the supporting factors for the success of MSME is determined by the intelligence of managing finances or known as financial literacy. Financial literacy is a basic requirement that must be possessed by MSME entrepreneurs which is closely related to the knowledge of personal and business financial management, as well as knowledge to gain access to capital through financial services or institutions. This descriptive study aims to see a picture of the level of financial literacy in SMEs in Bandung. The type of data used in this study are primary data and secondary data Primary data obtained through surveys using a questionnaire to see the level of financial literacy (Financial Fitness Quis / FFQ) developed by O'Neil. The questionnaire consisting of 20 practical financial statements, covering 5 (five) dimensions of financial management, was distributed to 343 SMEs in the city of Bandung. Secondary data obtained through observation and study of literature relating to research problems. The results of the study show that MSMEs in the city of Bandung must take actions that need to be considered in the future to improve their finances to avoid financial difficulties. As a form of concern for MSMEs in the city of Bandung and as a form of support for the government, researchers are trying to alleviate the illiteracy of financial actors of MSMEs through appropriate financial management training and making of a simple financial application program SAKA (peSAK Abdi).

scholarly journals Perbandingan Implementasi Prinsip Good Corporate Governance pada Bank Konvensional dan Bank Syariah

2016 ◽  
Vol 2 (1) ◽  
pp. 39-45
Author(s):  
Andrew Shandy Utama
Keyword(s):  
Corporate Governance ◽  
Financial Services ◽  
Supervisory Board ◽  
National Committee ◽  
Research Use ◽  
Islamic Banks ◽  
Good Corporate Governance ◽  
Conventional Banks ◽  
Relationship Of ◽  
The Relationship

Abstract: In principle, the relationship between the bank and its customers are saving money in the bank based on the relationship of trust, so that each bank is required to have to continue to maintain the level of health. Solutions that can be taken by the banks, both conventional banks and Islamic banks, to maintain the existence and level of health is with the implementation of the principles of good corporate governance. Therefore, it is interesting to examine the comparison of implementation of the principles of good corporate governance in conventional banks and Islamic banks. The method used in this study is a normative legal research. This research use approach legislation. The results showed that in essence, the implementation of the principles of good corporate governance in conventional banks and Islamic banks are the 'same', because it refers to the "Code of Good Corporate Governance Indonesian Banking" issued by the National Committee on Governance (NCG). The fundamental difference lies in Islamic principles used by Islamic banks. In addition to guided and supervised by the Financial Services Authority as conventional banks, Islamic banks are also supervised by the National Sharia Board MUI and Sharia Supervisory Board who served in each Islamic bank. Keywords: The Principles of Good Corporate Governance

Determinants Considered by Consumers for Brand Selection - with Reference to Laptops in Albania

2014 ◽  
Vol 4 (2) ◽  
Author(s):  
Margret Plloçi ◽  
Macit Koc
Keyword(s):  
Primary Data ◽  
Battery Life ◽  
Decision Making Process ◽  
Light Weight ◽  
Sources Of Information ◽  
Technical Features ◽  
The Relationship ◽  
The City ◽  
Different Sources ◽  
Core Features

Abstract Purpose of the article There is relatively a big number of brands in the market of laptops nowadays in Albania. It appears that the number of brands offered in this market could easily be compared to the number of brands in Europe and even broader. The purpose of this study is to help Albanian vendors understand the criteria that consumers take into consideration when they make the decision to purchase a laptop. Methodology/methods The research is based on the collection and the analyses of the primary data collected through interviews to people like managers or employees who work in the sector of trading laptops or in businesses like education where laptops are broadly used recently; then a survey is done through a questionnaire delivered to customers who already own and use a laptop and customers who are potential buyers of laptops. Scientific aim The aim of the research is to identify if there are any relationships between the demographics of the consumers and the criteria of buying a laptop; on the other hand, to find out how is the relationship between the demographics and the features of different brands. Findings The study found out that Albanian consumers have good knowledge of laptops and their brands, and they use different sources of information for making their decisions in buying a laptop; it is found that there are relationships between some demographics like age or gender and the appraisal for some attributes of the laptops like price, design and high graphics card; it is also found that some technical features and other attributes of using laptops are some of the determinants that influence the laptops’ purchases. Conclusions It is realized that one of the most important demographics of the consumers is their age. Some core features like RAM, ROM, battery life, processor quality, light weight or attributes that are connected to the purposes of using the laptop computers like practicality and mobility in using them, work and studying processes, quick access to the internet are determinant factors which influence the decision making process of purchasing a laptop. I would recommend that future researches be focused also on the relationship between the customers’ income and their preferred brand or ranking brands according to the customers’ preferences. Such studies should also extend outside the city of Tirana.

The Impact of Financial Literacy on Financial Preparedness for Retirement in the Small and Medium Enterprises Sector in Uganda

2020 ◽  
Vol 9 (3) ◽  
pp. 26-41
Author(s):  
Colin Agabalinda ◽  
Alain Vilard Ndi Isoh
Keyword(s):  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Group Analysis ◽  
Moderating Effect ◽  
Primary Data ◽  
Retirement Preparedness ◽  
Medium Enterprises ◽  
The Impact ◽  
The Relationship ◽  
Effect Of Age

The study investigated the direct effects of financial literacy (knowledge, skills, and attitudes) on financial preparedness for retirement and the moderating effect of age among the small and medium enterprises in Uganda. Primary data was collected from a sample of n = 380 selected from the SME workforce. Descriptive analysis was run on SPSS, while validity and reliability of the measurement items yielded satisfactory composite reliability scores and average variance explained (AVE) scores for all items. Structural equation modelling (SEM) was used to test the hypotheses and multi-group analysis conducted to test for the moderating effect of age on the relationship between financial literacy and retirement preparedness. The results revealed that knowledge and skills were significant predictors of retirement preparedness. However, ‘attitude' was not a significant predictor, and age had no moderating effect on the relationship between the study variables. These findings present practical implications for policymakers and financial educators in a developing country context.

scholarly journals Customer Perception Regarding Car Loans in Islamic and Conventional Banking

2012 ◽  
Vol 2 (6) ◽  
pp. 174
Author(s):  
M. Taimoor Hassan ◽  
Mehtab Ahmed ◽  
Muhammad Imran ◽  
Azhar Naeem ◽  
Mudassir Waheed ◽  
...  
Keyword(s):  
Key Words ◽  
Statistical Technique ◽  
Primary Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Chi Square ◽  
Customer Perception ◽  
Conventional Banks ◽  
Corporate Customers

Purpose: To see the customer perception regarding car loans in Islamic and conventional banking. Methodologies: This study is based on primary data. These followed by only Bahawalpur corporate customers are taken as the sample research. Firstly the persons have been identified of the selected banks that are the financial affairs of those banks. When these people show their willingness then questionnaire has been filled by them and the required data has been collected. The statistical technique chi-square had been adapted for analysis the data. Findings: Total 120 questionnaires have been distributed among different banks and out of which 104 were get completed and returned. Peoples prefer conventional banks for car loans as compared to Islamic banks.   Key Words: Islamic Banking, Corporate Customer, Car Financing.

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