Sheila Febriani Putri, Sheila Febriani
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PENGARUH LITERASI KEUANGAN MELALUI RASIONALITAS TERHADAP PERILAKU KONSUMTIF (Studi Kasus Siswa Kelas XI Ilmu Sosial SMA Negeri se-Kota Semarang) Putri, Sheila Febriani; Widodo, Joko; Martono, S.
Journal of Economic Education Vol 5 No 2 (2016): November 2016
Publisher : Journal of Economic Education

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Abstract

Perilaku konsumtif disebabkan oleh keinginan pemenuhan kebutuhan yang berlebih termasuk para remaja. Siswa SMA di usia remaja seharusnya mampu mengelola keuangan yang dimilikinya secara tepat dan rasional. Rendahnya literasi keuangan berdampak pada rendahnya keinginan menabung yang berdampak pada kebiasaan belanja berlebihan. Tujuan penelitian ini untuk menguji model perilaku konsumtif dengan rasionalitas sebagai variabel intervening literasi keuangan, serta untuk mengetahui pengaruh langsung literasi keuangan dan rasionalitas terhadap perilaku konsumtif. Metode penelitian menggunakan metode kuantitatif. Analisis data menggunakan analisis jalur dengan SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh terhadap perilaku konsumtif sebesar -48,5%, variabel rasionalitas berpengaruh terhadap perilaku konsumtif sebesar -20%, variabel literasi keuangan berpengaruh terhadap rasionalitas sebesar 26%, sedangkan untuk pengaruh tidak langsung literasi keuangan terhadap perilaku konsumtif melalui rasionalitas adalah sebesar -53,7% dengan total effect sebesar -5,2%. Kesimpulan dalam penelitian ini, rasionalitas yang tinggi menurunkan perilaku konsumtif. Hal ini menunjukkan bahwa siswa kelas XI Ilmu Sosial se-Kota Semarang dengan rasionalitas yang tinggi cenderung memiliki perilaku konsumtif yang rendah dan mampu memprioritaskan kebutuhannya dengan baik sehingga menekan perilaku konsumtifnya.   Consumer behavior caused by excessive desire fulfillment including teenagers. High school students in their teens should be able to manage its money appropriately and rationally.  The effect of low financial literacy adversely will be spending habits of excessive and make people become consumptive. The research purpose is to analyze the models of consumptive behavior with rationality as an intervening variable between financial literacy and to determine the direct effect of  financial literacy and rationality on consumptive behavior. By Employing a quantitative method. By using SPSS application the study try to analyze with path analysis. The result of this study found that financial literacy influence consumptive behavior by -48.5%, rationally influence consumptive behavior by -20%, financial literacy influence rationally by 26%, while for the indirect effect of financial literacy against on consumptive behavior through rationally by -53.7% with total effect by -5.2%. The conclusion of this study, the high rationality lowering consumer behavior. This suggests that a class XI student of Social Sciences as the city of Semarang with rationality that tend to have low consumption behavior and be able to prioritize their needs so well that pressing consumptive behavior.
PRAKTIK MURABAHAH PADA KANINDO SYARIAH Shidarta, Eka Ananta; Astuti, Yuli Widi; Kholilah, Kholilah; Putri, Sheila Febriani
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 7, No 1 (2019): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v7i1.6566

Abstract

Murabahah is 99.80% of the contracts used in financing distribution in Kanindo Sharia. This study aims to determine the problems faced by kanindo sharia in the implementation of the murabahah contract. This study uses phenomenology to answer the research objectives. Understanding of AO, guarantees, understanding of members, and accuracy of contracts used are four problems found in financing activities. The solutions used to solve these problems are training employees, rescheduling installments and withdrawing collateral, socializing and intensive approaches to members, as well as reviewing financing agreements. Accounting practices carried out by Kanindo Syariah are not in accordance with PSAK 102. Accounting recognition in accordance with PSAK 102 is only found in murabahah asset acquisition transactions.