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Darmawan Dwi Prasetyo
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Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences

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Islamic Financial Education as a Preventive Instrument in Mitigating Riba-Based Credit Transactions: An Empirical Study Darmawan Dwi Prasetyo; M Arif Musthofa; Wargo; Daud
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1579

Abstract

This study aims to examine the effect of literacy on community decision-making in engaging in credit-based buying and selling transactions containing elements of riba in Geragai District, Tanjung Jabung Timur. The research focuses on members of the local community as its primary subjects. A quantitative approach was employed using a simple random sampling technique, resulting in a total of 50 respondents. Data were analyzed using a t-test and simple linear regression with the assistance of Microsoft Excel. The findings reveal that literacy has a positive and statistically significant influence on community decisions to engage in credit transactions involving riba. This indicates that higher levels of literacy are associated with more informed and rational decision-making regarding such financial practices. The study highlights the importance of improving literacy particularly in the context of financial and Islamic perspectives to guide communities toward more appropriate economic behavior
Co-Authors Daud M. Arif Musthofa Wargo