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Widiawati Widiawati, Widiawati
Universitas Sriwijaya
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Journal : Ecobankers : Journal of Economy and Banking

 1 
Pengaruh Pemahaman Masyarakat Tentang Riba Terhadap Minat Bertransaksi Di Bank Syariah Haida, Nur; Pratama, Gama; Sukarnoto, Toto; Widiawati, Widiawati
Ecobankers : Journal of Economy and Banking Vol. 2 No. 2 (2021): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v2i2.484

Abstract

This research is motivated by Islamic banks which are starting to be in demand by the public, especially the Indonesian population is the majority Muslim. However, not many people understand how Islamic banks operate. This study aims to determine the effect of public understanding of usury on interest in transacting in Islamic banks (Case Study of the Karangmekar Village Community, Karangsembung District, Cirebon Regency). This research is a type of quantitative research using the method of observation, questionnaires and documents. Data collection techniques using questionnaires or questionnaires to obtain data on public understanding of usury (X) and public interest in transacting in Islamic banks (Y). This study is a population study, because it takes the entire community of Karangmekar Village based on the level of education over the age of 18, totaling 2,140 people with a total of 96 respondents as research subjects. The results of this study indicate that the variable of public understanding of usury has a positive and significant effect on people's interest in transacting in Islamic banks. It is evident from the regression coefficient value of the variable of public understanding of usury (X) of 0.686, which means that if the public's understanding of usury has increased by 1%, the interest in transacting in Islamic banks will increase by 68.6%. In addition, it is also evident from the variable of people's understanding of usury which has a value of tcount (6,700) > ttable (1,985) and the significance value obtained is 0.000 which means that the value is smaller than the alpha value of 0.05, so the decision is H0 is rejected, it means that the variable of public understanding of usury has a significant effect on the interest in transacting in Islamic banks. Abstrak Penelitian ini dilatar belakangi oleh bank syariah yang mulai diminati oleh masyarakat, terlebih penduduk Indonesia adalah mayoritas beragama Islam. Namun tidak banyak dari masyarakat yang memahami bagaimana operasional bank syariah. Penelitian ini bertujuan untuk mengetahui adanya pengaruh pemahaman masyarakat tentang riba terhadap minat bertransaksi di Bank Syariah (Studi Kasus Masyarakat Desa Karangmekar Kecamatan Karangsembung Kabupaten Cirebon). Penelitian ini merupakan jenis penelitian kuantitatif dengan menggunakan metode observasi, angket dan dokumen. Teknik pengumpulan data dengan menggunakan kuesioner atau angket untuk mendapatkan data mengenai pemahaman masyarakat tentang riba (X) dan minat masyarakat bertransaksi di Bank Syariah (Y). Penelitian ini merupakan penelitian populasi, karena mengambil seluruh masyarakat Desa Karangmekar berdasarkan tingkat pendidikan yang berusia di atas 18 tahun yang berjumlah 2.140 orang dengan jumlah subyek penelitian sebanyak 96 responden. Hasil penelitian ini menunjukkan bahwa variabel pemahaman masyarakat tentang riba berpengaruh positif dan signifikan terhadap minat bertransaksi masyarakat di bank syariah. Terbukti dari nilai koefisien regresi variabel pemahaman masyarakat tentang riba (X) sebesar 0,686 yang berarti bahwa apabila pemahaman masyarakat tentang riba mengalami peningkatan 1% maka minat bertransaksi di bank syariah akan meningkat 68,6%. Di samping itu, terbukti juga dari variabel pemahaman masyarakat tentang riba yang memiliki nilai thitung (6,700) > ttabel (1,985) dan nilai signifikansi yang diperoleh yaitu 0,000 yang berarti nilai tersebut lebih kecil dari nilai alpha 0,05, sehingga keputusannya adalah H0 ditolak, artinya bahwa variabel pemahaman masyarakat tentang riba berpengaruh secara signifikan terhadap minat bertransaksi di bank syariah.
Co-Authors Achyar, Nofriyanti Achyar, Novriyanti Adiansyah, Marta Afiah, Indah Asmaul Afriana, Afriana Agustina, Yanida Ahyar Alimudin Al Kadri, Hanif Aldimas Arya Pramuditha Alkadri, Hanif Alviandini, Indriani Andalika, Anggie Andini, Zahra Ani Nuraini, Ani Nuraini Anjani, Arum Dwi Annisa Fitria Arif Haryana, Arif Haryana Asih, Eka Nurrahema Ning Asmaul Alfiah, Indah Aswita, Nova Aulia, Devy Lestari Nurul Auliya Izza, Rizki Baitillah, Nur Bumi, Ingerawi Sekaring Candriani, Saras Cintani, Destania Cucun Sunaengsih, Cucun Deniansyah, Deniansyah Dirgantara, Topan Elfira, Ria Emilia Emilia Ermita Ermita Etty Suryawati Fakhrina, Silmi Fara, Yetty Dwi Fitri, Dhynne Risha Garini, Ardiya Gde Putu Yoga Widyawan Ginanjar, Singgih Handayani, Diren Handika, Handika Harianja, Sri Hartini Harun, Haryati Hasburrahman, Hasburrahman Heni Pujiastuti Herwindo, Wildan hetwisari, tia Ida Ayu Putu Sri Widnyani Indah Widyaningrum Indrayati, Helni irsyad, irsyad Islamy, Diah Putri Izza, Rizki Auliya Jaya Jaya Julius, Andre Junjunan, Mochammad Ilyas Juwita, Rahma Karwiti, Witi Khabibah, Khilwa Khantika, I Made Kusuma Ningrum, Eni L. M. Panji Satria Sulambang Lalu Ilpan Hanapi Lalu Masyhudi Lestari , N. Rita Sri Lestari, Fajar Ria Lia Yuliani Lusi Susanti, Lusi Magfirah, Nurul Mahendra, Iqbal Dwi Stiadi Malnava, Iis Mardianton, Mardianton MARIA BINTANG Maulida, Herlina Mayasari, Adet Tyas Millah, Raden Muhammad Ilham Saeful Muhammad, Afriady Nuur Mukles, M. Ikhsan Nadrah, Nadrah Nazah, Farida Nurun Nellitawati Nellitawati Neni Lismareni, Neni Ni Kadek Wulandari Ningrum, Dwi Retno Nur Haida Nurhasana, Anjani Nurhizrah Gistituati Pratama, Gama Pujiati Pujiati Putri, Aulia Asyifani Rachmaniar, Ananda Rahayu, Chika Rahayuningsih, Endang Ramatillah, Diana Laila Retno Wulandari Rindiani, Ani Riyanto, Didit Puji Rosidah Rosidah Rudi Harjo Sabandi, Ahmad Salsabila, Farras Khalda Santoso, Yulianto Serli Marlina Shabah, Musyaffa Amin Ash Shivanadya, Nerisa Simamora, Desi Afrina SITI MARYAM Sukarnoto, Toto Sukraini, Ade Syahrini, Yesi Thahir, Muthaharah Thahir, Muthahharah Trian, Novi Wahyu Pratama Wildanah, Fifin Wirajaya, Okta Yaswinda Yaswinda Zahira, Safina