Liani Putri Indrianti, - (2022) ISLAMIC FINANCIAL PLANNING DENGAN POLA SAKINAH FINANCE: ANALISIS THEORY OF PLANNED BEHAVIOR DENGAN RELIGIOSITAS SEBAGAI VARIABEL MODERATOR. S1 thesis, Universitas Pendidikan Indonesia.
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Abstract
Perencanaan keuangan keluarga menjadi suatu hal yang penting dalam rumah tangga seorang muslim milenial yang bertujuan untuk menghindari gaya hidup konsumtif. Tata kelola keuangan rumah tangga yang tidak tepat, sering kali menjadi sengketa dalam rumah tangga sehingga ajaran Islam mendesak keluarga muslim untuk mengelola keuangan sesuai dengan ajaran Allah melalui konsep Islamic Financial Planning. Penelitian ini bertujuan untuk mengetahui tingkat Financial Attitude, Financial Knowledge, Locus of Control dan Religiositas sebagai variabel moderator pada keluarga muslim di Indonesia serta pengaruhnya terhadap Islamic Financial Planning dengan pola Sakinah Finance. Pendekatan pada penelitian ini menggunakan metode kuantitatif, yang dianalisis dengan Partial Least Square-Structural Equation Modeling (PLS-SEM) melalui software SmartPLS. Subjek penelitian ini adalah keluarga muslim di Indonesia dengan jumlah sampel sebanyak 200 responden. Hasil penelitian menunjukkan bahwa variabel tingkat Financial Attitude berpengaruh positif terhadap tingkat Islamic Financial Planning dengan Pola Sakinah Finance, tingkat Financial Knowledge tidak memiliki pengaruh terhadap tingkat Islamic Financial Planning dengan Pola Sakinah Finance, variabel tingkat Locus of Control berpengaruh positif terhadap tingkat Islamic Financial Planning dengan Pola Sakinah Finance, dan religiositas tidak memoderasi pengaruh variabel Financial Attitude, Financial Knowledge dan Locus of Control terhadap tingkat Islamic Financial Planning dengan Pola Sakinah Finance. Oleh karena itu Financial Attitude dan Locus of Control merupakan hal yang penting untuk mendorong seseorang dalam mengaplikasikan Islamic Financial Planning dengan pola Sakinah Finance. Diharapkan dengan adanya penelitian ini dapat menambah pengetahuan dan wawasan masyarakat, mengenai pengelolaan keuangan syariah yang lebih aplikatif khususnya bagi keluarga muslim di Indonesia untuk membangun finansial keluarga yang berkah dan sejahtera. Family Financial Planning becomes an important thing in the household of a millennial Muslim who aims to avoid a consumptive lifestyle. Improper household financial management often becomes a dispute in the household so that Islamic teachings urge Muslim families to manage finances in accordance with Allah's teachings through the concept of Islamic Financial Planning. This study aims to determine the level of Financial Attitude, Financial Knowledge, Locus of Control and Religiosity as moderator variables in Muslim families in Indonesia and their influence on Islamic Financial Planning with the Sakinah Finance pattern. The approach in this study uses a quantitative method, which is analyzed by Partial Least Square-Structural Equation Modeling (PLS-SEM) through SmartPLS software. The subjects of this study were Muslim families in Indonesia with a total sample of 200 respondents. The results showed that the variable level of Financial Attitude had a positive effect on the level of Islamic Financial Planning with the Sakinah Finance Pattern, the level of Financial Knowledge had no effect on the level of Islamic Financial Planning with the pattern of Sakinah Finance, the variable level of Locus of Control had a positive effect on the level of Islamic Financial Planning with the Pattern. Sakinah Finance, and religiosity did not moderate the effect of Financial Attitude, Financial Knowledge and Locus of Control variables on the level of Islamic Financial Planning with the Sakinah Finance Pattern. Therefore, Financial Attitude and Locus of Control are important things to encourage someone to apply Islamic Financial Planning with the pattern of Sakinah Finance. It is hoped that this research can increase the knowledge and insight of the community regarding the management of sharia finance that is more applicable, especially for Muslim families in Indonesia to build a blessed and prosperous family finances.
| Item Type: | Thesis (S1) |
|---|---|
| Additional Information: | ID Sinta Dosen Pembimbing: 5994697 AAS NURASYIAH 5994677 0008068502 ANEU CAKHYANEU |
| Uncontrolled Keywords: | Financial Attitude, Financial Knowledge, Locus of Control, Religiositas, Islamic Financial Planning, Sakinah Finance, Keluarga Muslim |
| Subjects: | B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc H Social Sciences > HB Economic Theory L Education > L Education (General) |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam |
| Depositing User: | Liani Putri Indrianti |
| Date Deposited: | 06 Feb 2023 07:20 |
| Last Modified: | 06 Feb 2023 07:20 |
| URI: | http://repository.upi.edu/id/eprint/83949 |
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