PENGUATAN PENGETAHUAN MASYARAKAT DAN LITERASI KEUANGAN MENGENAI KONSEP PERBANKAN SYARIAH DALAM MEMENANGKAN PERSAINGAN BISNIS

Agung Asdi Pratama, NPM 1901100307 (2023) PENGUATAN PENGETAHUAN MASYARAKAT DAN LITERASI KEUANGAN MENGENAI KONSEP PERBANKAN SYARIAH DALAM MEMENANGKAN PERSAINGAN BISNIS. Tugas_ Akhir (Artikel) Ekonomis: Journal of Economics and Business, 7 (2). pp. 1238-1247. ISSN 2597- 8829 (Ontine)

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Abstract

The level of competition in the Sharia banking business nationally is increasingly very competitive, thus providing challenges and threats to other financial institutions, especially conventional banking. Islamic banking measures the extent to which Sharia-based financial literacy is in winning business competition in Labuhanbatu Regency. The intended population is all Rantauprapat Bank Syariah Indonesia (BSI) customers. Determination of the writer's sample using the slovin formula in order to obtain a sample of 100 people. The variables examined in this study are public knowledge, Sharia-based financial literacy, the concept of Islamic banking, competitive advantage. Data collection technique through google form with purposive sampling technique. Data analysis uses the SmartPLS 4.0 application approach to solve the problems tested. Based on the research results in a description of the reasons customers use to choose Islamic banking because the product information varies. From testing the hypothesis, it shows that public knowledge and financial literacy are key to the concept of Islamic banking, then public knowledge and financial literacy are the keys to winning business competition in Labuhanbatu Regency. From the research results calculated using outer loading on each variable declared valid because it is greater than the value of 0.5. And has an R-square value of Islamic banking concept of 0.357 or 35.7% and an R-square value of business competition of 0.765 or 76.5%. Keywords : community knowledge, financial literacy, islamic banking concepts, business competition ================================================================================================== Tingkat persaingan bisnis perbankan Syariah secara nasional semakin sangat kompetitif sehingga memberikan tantangan dan ancaman kepada sesama lembaga keuangan lainnya terutama perbankan konvensional. Perbankan Syariah mengukur sejauh mana literasi keuangan berbasis Syariah dalam memenangkan persaingan bisnis di Kabupaten Labuhanbatu. Populasi yang dituju adalah seluruh nasabah Bank Syariah Indonesia (BSI) Rantauprapat. Penentuan sampel penulis menggunakan rumus slovin sehingga diperoleh sampel sebanyak 100 orang. Variabel yang diteliti dalam penelitian ini pengetahuan masyarakat,literasi keuangan berbasis Syariah, konsep perbankan Syariah, keunggulan bersaing. Teknik pengumpulan data melalui google form dengan teknik purposive sampling. Analisis data menggunakan pendekatan aplikasi SmartPLS 4.0 untuk memecahkan permasalahan yang diuji. Berdasarkan hasil penelitian secara deskripsi alasan nasabah menggunakan memilih perbankan Syariah karena informasi produknya beragam. Dari pengujian hipotesis menunjukkan bahwa pengetahuan masyarakat dan literasi keuangan merupakan kunci konsep perbankan Syariah, selanjutnya pengetahuan masyarakat dan literasi keuangan merupakan kunci dalam memenangkan persaingan bisnis di Kabupaten Labuhanbatu. Dari hasil penelitian yang dihitung menggunakan outer loading pada setiap variabel dinyatakan valid karena lebih besar dari nilai 0.5. Dan memiliki nilai R-square Konsep perbankan syariah sebesar 0.357 atau 35,7% dan nilai R-square Persaingan bisnis sebesar 0.765 atau 76,5%. Kata kunci : pengetahuan masyarakat, literasi keuangan, konsep perbankan syariah, persaingan bisnis

Item Type: Article
Uncontrolled Keywords: Community Knowledge, Financial Literacy, Islamic Banking Concepts, Business Competition =========================== Pengetahuan Masyarakat, Literasi Keuangan, Konsep Perbankan Syariah, Persaingan Bisnis
Subjects: H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
H Social Sciences > HG Finance
Divisions: Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User: Unnamed user with email repository@ulb.ac.id
Date Deposited: 02 Apr 2024 03:17
Last Modified: 02 Apr 2024 03:17
URI: http://repository.ulb.ac.id/id/eprint/616

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