Hasil Pencarian  ::  Simpan CSV :: Kembali

"Walaupun Indonesia merupakan negara muslim terbesar di dunia, tingkat literasi keuangan Syariah di Indonesia masih tergolong sangat rendah. Indeks Literasi keuangan Syariah di Indonesia berada di angka 8.93%, jauh lebih rendah dibandingkan dengan indeks literasi keuangan konvensional  yang mencapai 37.72% pada tahun 2019. Oleh karena itu, penelitian ini bertujuan untuk menganalisis determinan literasi keuangan Syariah multidimensi di Indonesia, khususnya di kalangan mahasiswa muslim yang menjadi kelompok prioritas kebijakan pemerintah dalam meningkatkan literasi keuangan Syariah. Untuk mencapai tujuan tersebut, penelitian ini mengembangkan instrumen literasi keuangan syariah multidimensi yang mencakup aspek pengetahuan, sikap dan perilaku dan mengukur literasi keuangan Syariah multidimensi dari 439 mahasiswa Universitas Indonesia. Data primer yang diperoleh dianalisis dengan menggunakan metode regresi logistik dengan skor literasi keuangan syariah sebagai variabel dependen dan faktor-faktor sosiodemografi sebagai variabel independen. Hasil studi ini menemukan bahwa mayoritas mahasiswa (50.1%) memiliki tingkat literasi keuangan syariah  sedang, sementara 43.5% dan 6.4% lainnya memiliki tingkat literasi keuangan syariah yang tinggi dan rendah. Selain itu, penelitian ini menemukan adanya pengaruh positif bidang studi, pendapatan, dan kepemilikan rekening bank syariah terhadap tingkat literasi keuangan Syariah. Secara khusus, mahasiswa yang berasal dari fakultas ekonomi dan bisnis , berpendapatan tinggi , dan memiliki rekening bank syariah cenderung memiliki literasi keuangan syariah yang lebih tinggi dibandingkan mahasiswa lainnya. Berdasarkan temuan tersebut, pemangku kepentingan terkait di Indonesia diharapkan bisa terus meningkatkan literasi keuangan Syariah melalui berbagai kegiatan edukasi yang lebih masif, terutama bagi mahasiswa kelompok mahasiswa yang memiliki literasi keuangan yang masih rendah dan sedang . Hasil penelitian ini juga diharapkan bisa memperkaya literatur mengenai literasi keuangan Syariah di negara Muslim.

---

Although Indonesia is the largest Muslim country in the world, the level of Islamic financial literacy in Indonesia is still very low. The Islamic financial literacy index in Indonesia is at 8.93%, much lower than the conventional financial literacy index which reached 37.72% in 2019. Therefore, this study aims to analyze the determinants of multidimensional Islamic financial literacy in Indonesia, especially among university students. Muslims who are a priority group for government policies in improving Islamic financial literacy. To achieve this goal, this study develops a multidimensional Islamic financial literacy instrument that includes aspects of knowledge, attitudes and behavior and measures the multidimensional Islamic financial literacy of 439 University of Indonesia students. The primary data obtained were analyzed using logistic regression method with Islamic financial literacy scores as the dependent variable and socio-demographic factors as independent variables. The results of this study found that the majority of students (50.1%) had moderate levels of Islamic financial literacy, while 43.5% and 6.4% had high and low levels of Islamic financial literacy. In addition, this study found a positive influence on the field of study, income, and Islamic bank account ownership on the level of Islamic financial literacy. In particular, students who come from the economics and business faculties, have high incomes and have Islamic bank accounts tend to have higher Islamic financial literacy than other students. Based on these findings, relevant stakeholders in Indonesia are expected to continue to improve Islamic financial literacy through various more massive educational activities, especially for student groups who have low and moderate financial literacy. The results of this study are also expected to enrich the literature on Islamic financial literacy in Muslim countries. "

"The development of Islamic securities crowdfunding (I-SCF) financial technology has recently become a momentum for micro, small, and medium enterprises (MSMEs) in terms of fulfilling capital by issuing shares (sukuk) based on syariah principles. This research examines the role of Islamic financial literacy through the use of variables from the theory of planned behavior about the intentions of MSME actors to apply for capital through I-SCF. A total of 97 responses were collected from MSMEs owners/managers who have been in business for at least two years using an online questionnaire and then examined using structural equation modeling by SmartPLS. The results show that the variables of subjective norm, perceived behavioral control, and attitude toward behavior significantly influence the intention to obtain capital to expand one’s business. The primary finding of this research is that Islamic financial literacy has been experimentally shown to improve the desire of MSME players to expand their business capacity. There is thereby a need for continuous efforts from the Indonesian Financial Service Authority to collaborate with industry players, organising associations, and syariah scholars to boost Islamic financial literacy through sustainable education. In addition, efforts to maintain the uniqueness of I-SCF and its syariah compliancy must be supported by prospective I-SCF providers, even while awaiting their operational permits."

"Islamic financial literacy adalah sejauh mana seseorang memiliki seperangkat pengetahuan dan keterampilan untuk memahami pentingnya layanan keuangan syariah yang mempengaruhi sikap mereka mengenai niat untuk menggunakan pembiayaan syariah. Penelitian ini menguji pengaruh dimensi brand awarenness of Islamic Banks, Cost and benefit of Islamic Bank’s product, reputation of islamic bank dan Islamic financial literacy terhadap intention to use Islamic banks baik secara langsung dan juga menggunakan peran mediasi attitude towards Islamic banks. Data diperoleh melalui kuesioner disebarkan secara online kepada masyarakat di Indonesia yang belum menggunakan layanan Syariah dan diperoleh 214 kuesioner yang dapat diolah. Metode pengolahan data menggunakan structural equation modelling untuk mengevaluasi antara hubungan laten. Analisis model menggunakan software SmartPLS 3 menunjukkan bahwa tidak adanya hubungan positif dan signifikan dari brand awarenness of Islamic Banks, Cost and benefit of Islamic Bank’s product, reputation of islamic bank dan Islamic financial literacy secara langsung terhadap intention to use Islamic Banks. Namun saat variabel mediasi attitude towards Islamic banks, terjadi efek indirect-only mediation yang berarti tidak terdapat pengaruh langsung dari variabel independen, namun terdapat pengaruh dengan efek mediasi.

---

Islamic financial literacy is the extent to which a person has a set of knowledge and skills to understand the importance of Islamic financial services that affect their attitude regarding the intention to use Islamic finance. This study examines the effect of the dimensions of brand awareness of Islamic Banks, Cost and benefit of Islamic Bank's product, reputation of Islamic bank and Islamic financial literacy on the intention to use Islamic banks both directly and also using the mediating role of attitude towards Islamic banks. Data obtained through questionnaires distributed online to people in Indonesia who have not used Sharia services and obtained 214 questionnaires that can be processed. The data processing method uses structural equation modeling to evaluate the latent relationships. Model analysis using SmartPLS 3 software shows that there is no positive and significant relationship between brand awareness of Islamic Banks, Cost and benefit of Islamic Bank's product, reputation of Islamic bank and Islamic financial literacy directly on intention to use Islamic Banks. However, when the mediation variable is attitude towards Islamic banks, there is an indirect-only mediation effect, which means that there is no direct influence from the independent variable, but there is an influence with a mediating effect."

"Penelitian ini bertujuan mengetahui pengaruh Islamic financial literacy dan personality traits melalui pendekatan theory of planned behaviour yang dimodifikasi terhadap intensi berinvestasi di pasar saham oleh masyarakat Muslim Indonesia. Data penelitian ini diolah menggunakan metode PLS-SEM melalui SmartPLS 3.3.3. Penelitian ini menemukan bahwa attitude, subjective norms, dan personality traits memiliki pengaruh langsung yang signifikan positif terhadap intention to invest, financial self-efficacy dan Islamic financial literacy tidak memiliki pengaruh langsung yang signifikan pada intention to invest, Islamic financial literacy secara langsung dapat mempengaruhi personality traits secara signfikan positif, Islamic financial literacy memiliki pengaruh signifikan positif terhadap intention to invest pada saat dimediasi oleh attitude dan personality traits, serta financial selfefficacy tidak mampu memberikan efek mediasi dan moderasi dalam hubungan personality traits terhadap intention to invest.

---

This study aims to determine the effect of Islamic financial literacy and personality traits through a modified theory of planned behavior approach to the intention to invest in the stock market by Indonesian Muslims. The data of this study were processed using the PLS-SEM method through SmartPLS 3.3.3. This study found that attitude, subjective norms, and personality traits have a significant positive direct effect on intention to invest, financial self-efficacy and Islamic financial literacy do not have a significant direct effect on intention to invest, Islamic financial literacy can significantly positive affects personality traits, Islamic financial literacy has a significant positive effect on intention to invest when mediated by attitude and personality traits, and financial self-efficacy is not able to provide mediating and moderating effects in the relationship between personality traits and intentions to invest."

"Penelitian ini bertujuan untuk mengetahui faktor yang memengaruhi pelaku UMKM muslim di Indonesia untuk menggunakan pembiayaan syariah pada lembaga keuangan syariah. Pengumpulan data dilakukan melalui self-admistrated questionnare di seluruh wilayah Indonesia dengan 213 responden yang merupakan pelaku UMKM muslim. Analisis yang digunakan dalam penelitian ini adalah Structural Equation Modelling (SEM) untuk menganalisis pengaruh faktor sikap, pengaruh lingkungan, literasi keuangan syariah, religiusitas, dukungan pemerintah, dan harga dari pembiayaan syariah terhadap intensi untuk menggunakan pembiayaan syariah. Hasil penelitian menunjukkan bahwa sikap, pengaruh lingkungan sosial, literasi keuangan syariah, religiusitas memengaruhi intensi menggunakan pembiyaan syariah secara positif, sedangkan harga pembiyaaan syariah memiliki pengaruh negatif. Namun, variabel dukungan pemerintah tidak memiliki pengaruh signifikan terhadap intensi menggunakan pembiayaan syariah oleh pelaku UMKM muslim di Indonesia.

---

This research aims to determine the factors that influence muslim entrepreneurs in Indonesia to use Islamic financing in Islamic financial institutions. Data was collected from self-admistrated questionnare in all regions of Indonesia that involving 213 respondents who are muslim entrepreneurs. The analysis used in this study is Structural Equation Modeling (SEM) to analyze the influence of attitude factors, social influences, Islamic financial literacy, religiosity, government support, and the price of Islamic finance on the intention to use Islamic financing. The results showed that attitudes, social influence, Islamic financial literacy, and religiosity affected the intention to use sharia financing positively. Whereas sharia financing prices have a negative influence, however, the government support does not have a significant influence on the intention to use Islamic finance by muslim Indonesian entrepreneurs."