FITRI, AI (2026) PENGARUH TINGKAT LITERASI PERBANKAN SYARIAH TERHADAP MINAT PENDANAAN SYARIAH PADA UMKM (Studi di Pasar Tanah abang, Jakarta). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to analyze the influence of financial knowledge, financial attitude, and financial behavior on the interest in Sharia financing among MSME actors in Tanah Abang Market, Jakarta. The type of research used is quantitative research, which aims to explain the causal relationships between variables. The methodology of this study utilizes primary data collected through the distribution of questionnaires to respondents selected using the purposive sampling technique, with the total sample processed using multiple linear regression analysis via SPSS software. The results of the study show that financial knowledge does not have a positive influence on the interest in Sharia financing. Similarly, financial attitude does not have a positive influence on the interest in Sharia financing. Finally, the financial behavior variable was also found to have no positive influence on the interest in Sharia financing. This indicates that regarding the research object in Tanah Abang Market, financial literacy factors partially have not been able to become the main driver in increasing the interest of business actors toward Sharia financing products. Keywords: Financial Knowledge, Financial Attitude, Financial Behavior, Interest in Sharia Financing. Penelitian ini bertujuan untuk menganalisis pengaruh financial knowledge, financial attitude, dan financial behavior terhadap minat pembiayaan syariah pada pelaku UMKM di Pasar Tanah Abang, Jakarta. Jenis penelitian yang digunakan adalah penelitian kuantitatif yang bertujuan untuk menjelaskan hubungan kausal antar variabel. Metodologi penelitian ini menggunakan analisis linier berganda menggunakan data primer yang dikumpulkan melalui penyebaran kuesioner kepada responden yang terpilih menggunakan teknik purposive sampling, dengan total sampel yang diolah menggunakan analisis regresi linier berganda melalui software SPSS. Hasil penelitian menunjukkan bahwa financial knowledge tidak berpengaruh positif terhadap minat pembiayaan syariah. Demikian pula dengan financial attitude yang tidak memiliki pengaruh positif terhadap minat pembiayaan syariah. Terakhir, variabel financial behavior juga ditemukan tidak berpengaruh positif terhadap minat pembiayaan syariah. Hal ini mengindikasikan bahwa pada objek penelitian di Pasar Tanah Abang, faktor literasi keuangan secara parsial belum mampu menjadi pendorong utama dalam meningkatkan minat pelaku usaha terhadap produk pembiayaan syariah. Kata kunci: Financial Knowledge, Financial Attitude, Financial Behavior, Minat Pembiayaan Syariah.
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