THE INFLUENCE OF ISLAMIC FINANCIAL LITERACY LEVEL ON INTEREST IN CREATING MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs)

  • Sri Rohayati Institut Agama Islam Darussalam (IAID), Ciamis Jawa Barat
  • Tazkiyah 'Ainul Qolbi Darussalam Institute for Islamic Studies (IAID), Ciamis, West-Java, Indonesia

Abstract

This study aims to determine the impact of Islamic financial literacy on the desire to start micro, small, and medium-sized businesses (MSMEs). Knowledge of Islamic finance is crucial for business actors, including MSMEs. Financial literacy in accordance with Islamic law is an extension of financial literacy. It indicates that as Islamic financial literacy increases, so does the desire to start a business. This study employed quantitative research methods involving regression, and SPSS.20 was used to analyze the data. This study's sample consisted of 45 Sharia Economics Study Program graduates at the Darussalam Institute of Islamic Studies, calculated using the Solvin formula. We are collecting data using a questionnaire. Results indicated that the level of Islamic financial literacy significantly impacted the desire to establish micro, small, and medium-sized businesses (MSMEs).

References

Fernandes, S., & Hardiizon, H. (2016). Hubungan Interpersonal Skill Karyawan terhadap Minat Masyarakat Muslim Menjadi Anggota Koperasi Syari’ah. … : Journal of Islamic Economics. journal.iaincurup.ac.id. Retrieved from http://journal.iaincurup.ac.id/index.php/alfalah/article/view/97
Fuadah, A. (2018). … Persepsi Terhadap Minat Menabung Mahasiswa di Bank Syariah (Studi Kasus pada Mahasiswa S1 Jurusan Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam …. repo.uinsatu.ac.id. Retrieved from http://repo.uinsatu.ac.id/id/eprint/7929
Futaqi, F. A. (2018). Usaha BMT Hasanah dan BMT IKPM Gontor Dalam Mengembangkan Produk Pembiayaan Syariah. Muslim Heritage. jurnal.iainponorogo.ac.id. Retrieved from http://jurnal.iainponorogo.ac.id/index.php/muslimheritage/article/view/1298
Hamdan, A. (2020). Strategi Optimalisasi Bank Wakaf Mikro (Bwm) Al Fithrah Wava Mandiri Surabaya. EKOSIANA: Jurnal Ekonomi Syariah. journal.stainim.ac.id. Retrieved from http://journal.stainim.ac.id/index.php/ekosiana/article/view/22
Ibda, H. (2018). Strategi Perguruan Tinggi Memajukan Lembaga Keuangan Syariah. Jurnal Equilibrium. journal.iainkudus.ac.id. Retrieved from http://journal.iainkudus.ac.id/index.php/equilibrium/article/view/4053
Ilham, M., & Hariyani, I. (2020). Memahami Peran Lembaga Pembiayaan Syari’ah Dalam Meningkatkan Aksesibilitas Keuangan UMKM Pada Masa Pandemi Covid19. Widya Yuridika: Jurnal Hukum. publishing-widyagama.ac.id. Retrieved from https://publishing-widyagama.ac.id/ejournal-v2/index.php/yuridika/article/view/1658
Indriastuti, M., & Ifada, L. M. (2015). Analisis Sistem Pengukuran Kinerja Perbankan Syariah. Conference In Business, Accounting …. jurnal.unissula.ac.id. Retrieved from http://jurnal.unissula.ac.id/index.php/cbam/article/view/315
Ishak, M. (2019). The Principle of Maṣlaḥah Aand Its Application in Islamic Banking Operations in Malaysia. ISRA International Journal of Islamic Finance, 11(1), 137–146. Retrieved from https://www.scopus.com/inward/record.uri?partnerID=HzOxMe3b&scp=85068261537&origin=inward
Keane, W. (2018). Divine Text, National Language, and Their Publics: Arguing an Indonesian Qur'an. Comparative Studies in Society and History, 60(4), 753–757.
Luntadjo, M. M. (2016). Dasar Filosofi Marketing Syari’ah. Jurnal Ilmiah Al-Syir’ah. journal.iain-manado.ac.id. Retrieved from http://journal.iain-manado.ac.id/index.php/JIS/article/view/54
Lupioadi, Rambat. & Hamdani, A. Dedi. (2009). Manajemen Pemasaran Asa. Jakarta: Salemba Empat.
Maza, R. El. (2017). Literasi Keuangan Masyarakat Kota Metro Terhadap Produk Investasi pada Asuransi Syari’ah dan Deposito Syari’ah. Jurnal Hukum dan Ekonomi Syariah. e-journal.metrouniv.ac.id. Retrieved from https://e-journal.metrouniv.ac.id/index.php/adzkiya/article/view/783
Nurbaiti, A. M., & Fasa, M. I. (2021). Peran Perbankan Syariah Dalam Membantu Usaha Mikro Kecil Dan Menengah Menerapkan Konsistensi Pencatataan. … Ekonomi Pembangunan dan Ekonomi …. ejournal.stieba.ac.id. Retrieved from http://ejournal.stieba.ac.id/index.php/revenue/article/view/30
Primiana, Ina. (2012). Menggerakan Sektor Riil UMKM dan Industri. Bandung: Alfabeta.
Purusottama, A., Trilaksono, T., & Soehadi, A. W. (2018). Community-Based Entrepreneurship: A Community Development Model to Boost Entrepreneurial Commitment tn Rural Micro Enterprises. MIX: Jurnal Ilmiah Manajemen, 8(2), 429–448.
Purwanto, Primiana, I., Masyita, D., & Febrian, E. (2018). Social Outreach Model and Efficiency in Sharia Micro Finance Institution: Literature Review. European Research Studies, 21(3), 104–122.
Rifai, Bachtiar. (2012). Efektivitas Pemberdayaan Usaha Mikro Kecil Mengah (UMKM). Sosio Humaniora, Vol. 3.
Sriwardany, S., Samosir, S. H., & ... (2022). Literasi Perbankan Syariah Bagi Kelompok Pwbi Kelurahan Kwala Bekala Medan Johor. PROSIDING SEMINAR …. e-prosiding.umnaw.ac.id. Retrieved from https://e-prosiding.umnaw.ac.id/index.php/pengabdian/article/view/855
Suyadi, Nuryana, Z., & Fauzi, N. A. F. (2020). The Fiqh of Disaster: The Mitigation of Covid-19 in the Perspective of Islamic Education-neuroscience. International Journal of Disaster Risk Reduction, 51, 101848. Retrieved from https://www.sciencedirect.com/science/article/pii/S2212420920313509
Taufik, Achmad. (2018). Faktor Yang Mempengaruhi Minat Berwirausaha Mahasiswa Factors Affecting Interest Business Students. Jurnal Peneliti Ipteks. Vol. 3, 86–99.
Widodo, W. (2019). Analisis Implementasi Sumber Daya Insani di Bank Syariah Mandiri Kantor Cabang Ponorogo Tahun 2017. etheses.iainponorogo.ac.id. Retrieved from http://etheses.iainponorogo.ac.id/id/eprint/6185
Yasmeenela, M. (2020). Review Of Sharia Economic Institution Products On Sharia Hospital. JISIP (Jurnal Ilmu Sosial dan …. ejournal.mandalanursa.org. Retrieved from http://ejournal.mandalanursa.org/index.php/JISIP/article/view/1056
Published
2022-09-11
How to Cite
ROHAYATI, Sri; QOLBI, Tazkiyah 'Ainul. THE INFLUENCE OF ISLAMIC FINANCIAL LITERACY LEVEL ON INTEREST IN CREATING MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs). Syari'ah Economics, [S.l.], v. 6, n. 2, p. 109-122, sep. 2022. ISSN 2807-8942. Available at: <https://riset-iaid.net/index.php/SE/article/view/1174>. Date accessed: 20 july 2024. doi: https://doi.org/10.36667/se.v6i2.1174.