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All Journal Journal of Education Research Formosa Journal of Sustainable Research (FJSR) Miftah Tut Wuri Handayani : Jurnal Keguruan dan Ilmu Pendidikan Jurnal Pengabdian kepada Masyarakat Multidisiplin (JUPENGEN)
Amida, Iis Amanah
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Journal : Miftah

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Financial Literacy and Tasawuf Values as Determinants of Financial Behavior Among Food Market Traders: Evidence from Pasar Ciawi, Tasikmalaya Regency Haryati, Sani; Amida, Iis Amanah
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/wh4qw358

Abstract

Sound financial management remains a persistent challenge among food market traders in Indonesia, where limited financial knowledge and underdeveloped spiritual self-regulation often coexist. Drawing on data from 30 purposively selected traders at Pasar Ciawi, Tasikmalaya Regency, this study examines how financial literacy and tasawuf values —two theoretically distinct yet practically interrelated constructs— shape traders' financial behavior. A quantitative survey design was adopted, employing a five-point Likert instrument validated through Pearson correlation (r-table = 0.361) and assessed for internal consistency via Cronbach's Alpha. Multiple linear regression served as the primary analytical tool. Findings reveal that financial literacy exerts a pronounced positive effect on financial behavior (β = 0.703; t = 9.472; p < .001), whereas tasawuf values fall short of statistical significance at the partial level (β = −0.056; t = −0.702; p = .488).
Co-Authors Andewi Suhartini, Andewi Asyari, Hobir Nugraha, Bambang Kurnia nurhadi, hafidin Nurmela, Siti Sani Haryati