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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Widya Manajemen & Akuntansi Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Manajemen Teori dan Terapan BAKI (Berkala Akuntansi dan Keuangan Indonesia) Jurnal Ekonomi dan Bisnis Islam AKRUAL: Jurnal Akuntansi Moneter : Jurnal Akuntansi dan Keuangan al-Uqud : Journal of Islamic Economics Jurnal Ekonomi & Keuangan Islam EKUITAS (Jurnal Ekonomi dan Keuangan) Journal of Innovation in Business and Economics Keberlanjutan : Jurnal Manajemen dan Jurnal Akuntansi Jurnal Ekobis : Ekonomi Bisnis & Manajemen Proceeding National Conference Business, Management, and Accounting (NCBMA)
Muslich Anshori
Fakultas Ekonomi Dan Bisnis Universitas Airlangga, Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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THE FINANCIAL INCLUSION OF ISLAMIC BANKING FOR LOW-INCOME COMMUNITIES: CASE STUDY IN WEST SUMATERA Kamarni, Neng; Handra, Hefrizal; Anshori, Muslich
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 8 No. 1 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v8i1.30449

Abstract

This study aims to analyze the prospects and perspectives of low-income people in West Sumatra on financial inclusion in Islamic banking. Also, this study analyzesvarious factors that determine Islamic banking's financial inclusion and assesses the level of public expectations of the financial inclusion of Islamic banks in West Sumatra. This study applies descriptive quantitative research with primary data. Statistical toolssuch as Mann-Whitney Rank Sum U-test, Kruskal Wallis test, weighted arithmetical mean, chi-square test, and one-way ANOVA are used to reach the research's objectives. As a result, gender, age, marital status, monthly income, type of work, and status in the household are not significantly related to the level of customer expectations of financial inclusion. However, there is a significant relationship between the level of education and type of bank with the level of customer expectations of financial inclusion. The study results illustrate that low-income people in West Sumatra are familiar with Islamic banking, but many of them have not chosen to have an account in Islamic banking. The fatwa of the Council of Ulama Indonesia (MUI) and the Islamic banking system are not fully understood by the people of West Sumatra, the majority of whom are Muslims. A bank account selection is based on ease of reach and location. However, the public's view of Islamic banks is very high, as can be seen from people's expectations that Islamic banks provide a high sense of justice and comfort.
Co-Authors Ambariyanto Ambariyanto Badri Munir Sukoco Darodjatun, M A S Sridjoko Dina Indriana Drs. Ec. Hanny Wurangian, M.Si., Ak. Fofana, Mamady HANDRA, HEFRIZAL Hariyanto, Program Harumain, Yong Adilah Shamsul Heru Tjaraka Ida Ayu Putu Sri Widnyani Imron Mawardi Kamarni, Neng Mikhael Mangihot Napitupulu Mubaraq, Muhammad Raihan Muhammad Ali Nuruddin Muhammad Syauqi Muhidin Muhidin Nova Rini Nova Rini Nurianah Nurianah Nurul Asfiah Nurul Asfiah Nurul Huda Nurul Huda R Moh Qudsi Fauzi Raditya Sukmana Rony Wardhana Supriatiningsih, Supriatiningsih Trihatmoko, Huda Valentino Ardian Perdana Zaenudin Zaenudin