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All Journal Al-Hijrah: Journal of Islamic Economics and Banking
anisa marseli
Institut Agama Islam Sumatera Barat
Economics, Econometrics & Finance

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Analysis Of Riba (Usury) From A Religious Understanding Perspective Among The Community In Sungai Rantai rinal rinaldi; anisa marseli
Al-Hijrah: Journal of Islamic Economics And Banking Vol 1 No 1 (2023): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v1i1.303

Abstract

This article describes the problem of usury law from the perspective of public understanding. As for some of the Sungai Rantai people who consider usury to be a common practice that they have done since long ago from their ancestors, the Sungai Chain community considers usury to be a source of their livelihood because the profit they get is many times that of them. seek honest income or lawful livelihoods, therefore the Sungai Rantai community often commits acts of usury. It is said that usury is one of the major sins in Islam, because it leads to destruction. Therefore, providing understanding to the public actually aims to advance an economic system that is compassionate, more just, more balanced social relations and ethical values that are in line with Islamic teachings
Financial Literacy And Income On Interests In Saving Tiara Wirda Yunengsih; Novi Yanti; Erniwati Erniwati; Abdul Rahim A; Anisa Marseli
Al-Hijrah: Journal of Islamic Economics And Banking Vol 1 No 2 (2023): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v1i2.560

Abstract

This study aims to determine the effect of financial literacy and income on the interest in saving at PT. BPR Tri Capital Investama (TCI) West Sumatra. The population in this study was the North Pariaman District Community with a total sample of 100 respondents, where the research data was obtained through a questionnaire which was then processed using an instrument test, data analysis techniques using the classical assumption test, multiple linear regression analysis, hypothesis testing and determination of the R2 coefficient. The results of the t test study show that (1) financial literacy has no significant effect on the intention to save with a t value of 1.937 < t table 1.98 with a significance value of 0.056 > 0.05, and (2) income has a significant effect on the intention to save by the calculated t value is 6.697 > 1.98 with a significance value of 0.000 < 0.05. The results of the f test show that (3) financial literacy and income simultaneously (together) affect the intention to save the t-count value of 6.697 > 1.98 with a significance value of 0.000 <0.05. The determination of 40.1% while the remaining 59.9% is influenced by variables other than the independent variables in the study. It is hoped that the people of North Pariaman Subdistrict will be able to increase awareness of the importance of financial literacy, and also be more proactive in studying existing financial aspects to maintain and manage finances in the future.
Co-Authors Abdul Rahim A Erniwati Erniwati Novi Yanti rinal rinaldi Tiara Wirda Yunengsih