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All Journal At-Tawassuth: Jurnal Ekonomi Islam EKSYA: Jurnal Ekonomi Syariah Al-Istinbath: Jurnal Hukum Islam Journal of Student Research Margin : Journal of Islamic Banking Journal of Shariah Economics ICONS
Maulana Yusuf
UIN Sulthan Thaha Saifuddin Jambi
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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PENGARUH FAKTOR PSIKOLOGI TERHADAP KEPUTUSAN PEDAGANG MENGGUNAKAN PINJAMAN RENTENIR DI BANDING BANK SYARIAH DI PASAR PULAU KIJANG Erni Puspitasari; Maulana Yusuf
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v6i1.3691

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor psikologis terhadap keputusan pedagang dalam menggunakan pinjaman rentenir dibandingkan dengan bank syariah di Pasar Pulau Kijang, Kabupaten Indragiri Hilir, Riau. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan dukungan analisis kualitatif komparatif. Populasi penelitian berjumlah 98 pedagang, dan seluruhnya dijadikan sampel penelitian. Instrumen penelitian berupa kuesioner dengan skala Likert, yang dianalisis menggunakan uji validitas, reliabilitas, normalitas, linearitas, serta uji regresi linear sederhana. Hasil penelitian menunjukkan bahwa faktor psikologis berpengaruh signifikan terhadap keputusan pedagang. Nilai koefisien korelasi (r) sebesar 0,929 menunjukkan hubungan yang kuat dan positif. Uji t menghasilkan nilai t-hitung sebesar 23,123 > t-tabel 1,985, yang berarti hipotesis alternatif diterima. Sementara itu, nilai koefisien determinasi (R²) sebesar 0,864 mengindikasikan bahwa 86,4% variasi keputusan pedagang dipengaruhi oleh faktor psikologis, sedangkan 13,8% sisanya dipengaruhi oleh faktor lain di luar penelitian. Temuan ini diperkuat oleh analisis kualitatif, yang menunjukkan bahwa persepsi kemudahan, motivasi kebutuhan ekonomi mendesak, serta pengalaman masa lalu dengan rentenir menjadi alasan utama pedagang lebih memilih rentenir daripada bank syariah. Penelitian ini menyimpulkan bahwa faktor psikologis merupakan faktor dominan dalam keputusan pedagang, sehingga strategi lembaga keuangan syariah harus memperhatikan aspek persepsi, motivasi, dan sikap pedagang agar mampu bersaing dengan rentenir.  
Pengaruh Literasi Keuangan Syariah dan Tingkat Pendidikan terhadap Minat Menggunakan Produk Tabungan BSI di Kota Jambi Taufiq Ade Chandra; Maulana Yusuf; Aztyara Ismadharliani
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1360

Abstract

This study aims to examine the effect of Islamic financial literacy and education level on the public's interest in using savings products at Bank Syariah Indonesia (BSI) in Jambi City. The study employed a quantitative approach using an explanatory research design. The population consisted of all residents of Jambi City, while the sample comprised 100 respondents, selected through purposive sampling. Primary data were collected using a structured questionnaire with a five-point Likert scale. The data were analyzed using multiple linear regression with the assistance of IBM SPSS Statistics version 27. Prior to hypothesis testing, the research instrument was tested for validity and reliability, followed by classical assumption tests, including normality, multicollinearity, and heteroscedasticity tests.The results indicate that Islamic financial literacy has a positive and significant effect on the public's interest in using BSI savings products (t = 4.218; p < 0.05). Likewise, education level has a positive and significant effect on the interest in using BSI savings products (t = 5.525; p < 0.05). Simultaneously, Islamic financial literacy and education level significantly influence the public's interest in using BSI savings products (F = 114.949; p < 0.05). Furthermore, the coefficient of determination (Adjusted R²) of 0.697 indicates that 69.7% of the variation in the interest in using BSI savings products can be explained by Islamic financial literacy and education level, while the remaining 30.3% is influenced by other factors not included in this study.These findings suggest that improving Islamic financial literacy and educational attainment can enhance public interest in utilizing Islamic banking products. Therefore, Bank Syariah Indonesia is encouraged to strengthen financial literacy programs, expand public education initiatives, and collaborate with educational institutions and relevant stakeholders to promote greater awareness and utilization of Islamic banking services.
Co-Authors Agustina Mutia Al Anas Apriandi Asrizal Saiin Aztyara Ismadharliani Badaruddin Cecep Soleh Kurniawan Devi Dewita Enung Asmaya Erni Puspitasari Fitri Yani Khairiyani Khilwi Mashitoh Muhammad Orinaldi Putriana, Marissa Rohana Safitri Yanti Sarma Ningsih Solichah Solichah Supani Syahril Ahmad Taufiq Ade Chandra Tiara Agustin Tiara Risma Weni Ayuni Galuh Permatasari