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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Muhammad Mush'ab Joko
Universitas Ibnu Khaldun
Economics, Econometrics & Finance Social Sciences

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Persepsi Mahasiswa Ekonomi Syariah Terkait Ta’dzir pada Bank Syari’ah:  Muhammad Mush'ab Joko; Jaih Mubarak; Hari Susanto
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1056.884 KB) | DOI: 10.47467/alkharaj.v5i6.2472

Abstract

Islamic financial literacy still shows a very minimal number, namely 8.93% according to publications from the Financial Services Authority in 2019 which means that when there are 100 Indonesians, 8 of them have a fairly good literacy towards Islamic finance. Meanwhile, according to publications from Bank Indonesia, the increase doubled, namely 16.28%, which the research conducted in 2019 which means that for every 100 people in Indonesia. Students as agents of call to advance Islamic finance, it is necessary to have a fairly good literacy, moreover there are many thoughts that are the antithesis of Islamic economic thought that is fatwaed by the DSN-MUI. The institution is an institution recognized by the government in issuing sharia economic fatwas in Indonesia. Therefore, Islamic economics students must have the same perception as what the DSN-MUI fatwa has made. Late fines become a contract that gets a negative stigma in the community because there are thoughts that are contrary to the DSN-MUI fatwa. Therefore, it is important for Islamic economics students to fortify themselves with good literacy in order to have a good perception.STIS Al-Wafa provides good literacy to its students, especially those who have passed semester 5 because they have obtained literacy related to contemporary muamalah fiqh. So that most of them have a good perception of late fees in Islamic banks. Then also as a student, it is also necessary to deepen material about benefits because it can help in understanding a fatwa product that is relevant to its era. Keyword : Perception, Literacy, Late Charge, Student
Co-Authors Hari Susanto Jaih Mubarak