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Journal : Maslahah: Jurnal Manajemen dan Ekonomi Syariah

Pengaruh Literasi Keuangan Dan Lingkungan Sosial Terhadap Perilaku Keuangan Mahasiswa FEBI UIN STS Jambi Fuji Agustina; Efni Anita; Muthmainnah Muthmainnah
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 1 (2024): Januari : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i1.610

Abstract

This study aims to determine and analyze the effect of financial literacy and the social environment on the financial behavior of FEBI students at UIN STS Jambi. The method used in this study is a quantitative method, and the data analysis method used is the coefficient of determination test. The samples in this study were 96 samples of FEBI students at UIN STS Jambi class of 2019-2022. The results of the study show that partially, financial literacy has no effect on financial behavior and the social environment has a positive effect on financial behavior. Simultaneously, it shows that financial literacy and social environment variables have a significant effect on the financial behavior of FEBI students at UIN STS Jambi. The results of the calculation of the coefficient of determination show that financial literacy and social environment variables have an influence of 24.8% and the remaining 75.2% is influenced by other variables outside of this study.
Analisis Sistem Gadai Tanah Pada Perspektif Ekonomi Islam: Study Kasus Desa Sungai Sayang Kecamatan Sadu Kabupaten Tanjung Jabung Timur Acok Tang; Efni Anita; Nurlia Fusfita
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 1 (2024): Januari : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i1.687

Abstract

There are two issues studied in this thesis, namely (1) How is the Pawn Practice of the Community in Sungai Sayang Village, Sadu Subdistrict, (2) How is the Islamic Economics review of pawning in the Sungai Sayang Village Community, Sadu Subdistrict. The purpose of this study is to find out how the community pawning practice in Sungai Sayang Village, Sadu Subdistrict and to find out how the Islamic economic review of pawning in Sungai Sayang Village community, Sadu Subdistrict. To reveal these problems in depth and comprehensively, the researchers used a qualitative approach by collecting data using observations, interviews, and documentation. The data analysis technique used is field analysis using the interactive model of Miles and Huberman including data reduction, data display, and data verification. From the results of the study, it can be concluded that the practice of community pawning in Sungai Sayang Village, Sadu Subdistrict is that the pawner (rahin) delivers the pledged collateral (marhun) to the pawnee (murtahin) after the pawnbroker receives the money (debt) from the pawn recipient, (rahin) the pawner. The pawn requires that the object being pawned during the period of pawning is the result of the payment of the debt of the pawner to the recipient of the pawn, while the Islamic economic perspective is in the practice of pawning in Sungai Sayang Village, Sadu Subdistrict, namely, in terms of the contract, aqid (the giver and recipient of the pawn), marhun (goods). pawn), marhun bih (debt), there are pawn contracts that are in accordance with Islamic economics, from the aspect of the pillars the conditions are fulfilled, some have not or some are not in accordance with Islamic economics because they contain elements of usury.