ANALYSIS OF ISLAMIC FINANCIAL LITERACY LEVEL ON MSME PRACTITIONERS IN PEMATANG SERAI VILLAGE
Abstract
This research was conducted in Pematang Serai Village, Langkat Regency. Respondents of this study were MSME practitioners who were mostly customers of the Bumdes Mozaik Syariah Savings and Loan Business Unit in Pematang Serai Village. From the results of research using the financial literacy model formulated by Chen & Volpe (1998) with measurements in 4 aspects it was found that the level of Islamic financial literacy in Pematang Serai Village UMKM practitioners included in the low category of 56.46%. The lowest aspect is the aspect of sharia investment, with the score obtained is 48.72%, while the highest aspect is the basic aspect of Islamic financial knowledge by obtaining a score of 66.4%. Suggestions that can be given to Pematang Langkat Village UMKM Practitioners to increase Islamic financial literacy are setting aside time to attend seminars or workshops on Islamic finance, for the village government is expected to facilitate activities related to efforts to increase Islamic financial literacy and the most expected is the OJK party Can go down to villages so that Islamic financial literacy in the village community, especially SMEs in the village can increase.
Full Text:
PDFReferences
Amri, Anjar Faishal.(2018), Pengaruh literasi keuangan terhadap kinerja umkm di Surabaya, Journal of Business and Banking ISSN 2088-7841 Volume 8 Number 1
Amaliyah Rini & Rini Setyo Witiastuti. (2015), Analisis Faktor yang Mempengaruhi Tingkat Literasi Keuangan di Kalangan UMKM Kota Tegal ,Management Analysis Journal, Vol 4 no 3
Anastasia Sri Mandala & Suramaya Suci Kewal. (2013), Tingkat Literasi Keuangan di Kalangan Mahasiswa STIE MUSI, Jurnal Economia Volume 9, No. 2
Djuwita, Diana & Ayus Ahmad Yusuf. (2018), ‘Tingkat Literasi Keuangan Syariah di Kalangan UMKM dan Dampaknya Terhadap Perkembangan Usaha’, Al-Amwal, 10(1)
Chen, H., & Volpe, R. P. (1998). An Analysis Of Personal Financial Literacy Among College Student. Financial Services Review, 7(2)
Chrisna, Heriyati, et all.(2022), Analisis Kegiatan Unit Usaha Simpan Pinjam Syariah Bumdes Mozaik Desa Pematang Serai , Jurnal Nusantara, vol 9 no 4
Otoritas Jasa Keuangan, (2016), Survei Nasional Literasi dan Inklusi Keuangan, https://www.ojk.go.id/id/berita-dan-kegiatan/siaran
Halabi, A,K, R Barret, and R.Dyt. (2010), Understanding Financial Information Used To Small Firm Performance: AN Australian Qualitative Study, Qyalitative Research in Accounting & Management
Lidya Marniala Zebua. (2017), Analisis Tingkat Literasi Keuangan Syariah Pada Pelaku Usaha di Kawasan Masjid An Nur kota Pekanbaru, Universitas Islam Riau
Mustika Widowati & Winarto.(2017) Literasi Keuangan Pelaku UMKM Kota Semarang, Jurnal Ilmiah Akuntansi dan Keuangan (INFAK) Volume 3 Nomor 2
Mandala Anastasia Sri & Suramaya Suci Kewal. (2013), Tingkat Literasi Keuangan di Kalangan Mahasiswa STIE MUSI, Jurnal Economia Volume 9, No. 2
Rahim, S. H. A. et al (2016) ‘Islamic Financial Literacy and its Determinants among University Students : An Exploratory Factor Analysis’, International Journal of Economics and Financial Issues, 6(S7)
Ririn Nopiah. (2017), Analisis Tingkat Literasi Keuangan Syariah Pada Pedaganag Pasar Tradisional di Kota Yoyyakarta, Universitas Muhammadiyah Yogyakarta
Siti Hafizah Abdul Rahim, (2016), Islmaic Financial Literacy and Its Determinants Among University Students: An Exploratory Facyor Analysis
Sembiring, M. R. P., & Leon, F. M. (2021). The Influence of Demographics Factor on Pension Planning and Financial Literacy of Private Employee. Business and Entrepreneurial Review, 21(1), 131–152.
Teuku Syifa Fadrizha Nanda et all. (2019)Tingkat Literasi Keuangan Syariah ( Studi pada masyarakat kota Banda Aceh), JIHBIZ: Global Journal of Islamic Banking and Finance ,Vol 1, No - (2)
Zebua, Lidya Marniala (2017), Analisis Tingkat Literasi Keuangan Syariah Pada Pelaku Usaha di Kawasan Masjid An Nur kota Pekanbaru, Universitas Islam Riau
Refbacks
- There are currently no refbacks.