Analisis tingkat literasi keuangan syari’ah masyarakat usia produktif

Abstract

This study aims to measure the level of Islamic Financial Literacyand to find out whether there is independentvariable effect, including gender, based on age, the last education and the average incomes per month, on thedependent variable, which is Islamic financial literacy. The dependent variable is measured by fourcomponents, namely financial knowledge, loans, investment and savings, and insurance. In this study, 320respondents were sampled. The data processing is done using SPSS. Based on the results of testing thehypothesis that has been done, it was found that gender, the last education and the average incomes per monthhave a significant effect on the level of islamic financial literacy. While based on age, there is no significanteffect on the level of respondent's Islamic financial literacy in the productive age community in the city ofPadang.Keywords: People of productive age, demographic factors, islamic financial literacy.

Determinants of the Level of Sharia Financial Literacy among Muslimah in Jabodetabek

“…This means that this behavior affects the level of financial literacy. The same thing was said by Silva et al (Silva et al, 2012) , Antara, Hilmi & Patricia (Antara et al, 2016;Hilmi & Patrisia, 2020) All of these journals state that financial behavior has a positive effect on sharia financial literacy as follows:…”

“…Several studies on Sharia Financial Literacy have also been carried out to complete data on Sharia financial literacy in Indonesia but are still limited to several areas such as Banda Aceh (Syifa et al, 1998) , Yogyakarta (Herdianti & Utama, 2017) , Makassar (Said & Amiruddin , 2017) , Bandung (Senjiati et al, 2018) . The study of Financial Literacy among women was carried out by Khotimah in Surabaya (Khotimah, 2019) , Zulfa Hilmi and Dina Patrisia (Hilmi & Patrisia, 2020) . Dwilita and Sari in North Sumatra (Dwilita & Sari, 2020) , in ASN Women in Sumbawa Besar (Sari et al, 2020) and in the housewife community in Depok (Lindiawatie & Shahreza, 2021) with various measurement variables and influencing factors.…”

Do the saving interest in Islamic banks affected by financial literacy and religiosity?

“…Financial literacy is the knowledge and ability to manage finances to improve welfare (Akmal & Saputra, 2019;Hilmi & Patrisia, 2020) which includes knowledge of investment, saving, and consumption. Financial literacy aims to prevent someone from financial problems due to consumptive behavior.…”