Niat Adopsi Petani Terhadap Keuangan Syariah Dengan Pendekatan Theory Of Planned Behaviour (Tpb)

Armeilia, Riskyna Koes (2018) Niat Adopsi Petani Terhadap Keuangan Syariah Dengan Pendekatan Theory Of Planned Behaviour (Tpb). Sarjana thesis, Universitas Brawijaya.

Abstract

Faktor agama menunjukkan trennya di berbagai bidang kehidupan, termasuk bidang ekonomi. Hal ini ditunjukkan dengan semakin berkembangnya lembaga keuangan berlabelkan “syariah”. Beberapa negara di dunia termasuk Indonesia mulai mengadopsi keuangan syariah. Lembaga keuangan syariah mulai didirikan dan jumlah aset dari lembaga keuangan syariah mengalami peningkatan setiap tahunnya. Akan tetapi, dominasi masih ditunjukkan oleh lembaga keuangan konvensional. Masyarakat yang mengadopsi keuangan syariah masih sedikit, terutama masyarakat pedesaan yang mayoritas bermata pencaharian sebagai petani. Hal tersebut disebabkan karena kurangnya upaya sosialisasi dari lembaga-lembaga keuangan syariah dan kurangnya informasi akan niat adopsi petani terhadap keuangan syariah. Tujuan dari penelitian ini yaitu menganalisis niat adopsi petani terhadap keuangan syariah dengan pendekatan Theory of Planned Behaviour. Produk keuangan syariah yang diteliti adalah produk tabungan dan produk pembiayaan syariah. Responden yang dipilih adalah petani yang belum mengadopsi keuangan syariah. Teknik pengumpulan data yang dilakukan melalui survei dengan instrumen kuisioner. Teknik analisis data yang digunakan yaitu Structural Equation Modelling-Partial Least Square (SEM-PLS) dengan menggunakan program WarpPLS 6.0 dengan 65 responden. Hasil yang diperoleh adalah sikap, norma subyektif, persepsi atas kontrol perilaku, dan religiusitas berpengaruh positif terhadap niat petani mengadopsi keuangan syariah. Satu variabel yang tidak berpengaruh signifikan terhadap niat petani untuk mengadopsi keuangan syariah adalah norma subyektif. Dari keempat variabel yang mempengaruhi niat petani untuk mengadopsi keuangan syariah ditemukan bahwasanya persepsi atas kontrol perilaku merupakan prediktor utama dalam mempengaruhi niat petani untuk mengadopsi keuangan syariah. Kemudian dilanjutkan oleh sikap, religiusitas, dan norma subyektif. Berdasarkan hasil yang diperoleh, saran yang dapat diberikan adalah: Pertama, sosialisasi penyebaran pengetahuan bagi petani tentang keuangan syariah dan manfaat mengadopsi keuangan syariah oleh lembaga keuangan syariah. Kedua, adanya ajakan melalui kelompok tani untuk mengadopsi keuangan syariah. Ketiga, lembaga keuangan syariah perlu memberikan kemudahan bagi petani khususnya untuk kemudahan persyaratan dan kemudahan akses. Keempat, penelitian selanjutnya perlu melibatkan pengikut agama lain disamping Islam sebagai potensi responden.

English Abstract

Religious factors show trends in various areas of life, including economics. This is shown by the growing financial institutions labeled "sharia". Some countries in the world including Indonesia began to adopt sharia finance. Sharia financial institutions are starting to be established and the number of assets from sharia financial institutions is increasing every year. However, dominance is still shown by conventional financial institutions. People who adopt sharia finance are still few, especially rural communities who mostly live as farmers. This is due to the lack of socialization efforts from sharia financial institutions and the lack of information on farmer’s intention of adoption towards sharia finance. The purpose of this study is to analyze the farmer’s intention of adoption towards sharia finance with the approach of Theory of Planned Behaviour. Sharia finance products that are studied are saving and financing products. Respondents selected are farmers who have not adopted sharia finance. Data collection techniques were conducted through surveys with questionnaire instruments. Data analysis technique used Structural Equation Modeling-Partial Least Square (SEM-PLS) using WarpPLS 6.0 program with 65 respondents. The results obtained are attitude, subjective norms, perceived behavior control, and religiosity have positive effect on farmer’s intention to adopt sharia finance. One variable that have no significant effect on farmer’s intention to adopt sharia finance is subjective norms. From the four variables that influence on farmer’s intention to adopt sharia finance, it was found that perceived behavior control are the main predictors in influencing farmer’s intention to adopt sharia finance. Then followed by attitude, religiosity, and subjective norms. Based on the results obtained, suggestions that can be given are: First, the dissemination of knowledge dissemination for farmers about sharia finance and the benefits of adopting sharia finance by sharia financial institutions. Secondly, there is an invitation through farmer groups to adopt sharia finance. Third, sharia financial institutions need to provide convenience for farmers, especially for ease of requirements and ease of access. Fourth, further research needs to involve followers of other religions in addition to Islam as potential respondents.

Item Type:	Thesis (Sarjana)
Identification Number:	SKR/FP/2018/172/051802878
Uncontrolled Keywords:	-
Subjects:	600 Technology (Applied sciences) > 630 Agriculture and related technologies > 630.92 Farmers
Divisions:	Fakultas Pertanian > Agribisnis
Depositing User:	Nur Cholis
Date Deposited:	25 May 2018 07:30
Last Modified:	20 Oct 2021 05:50
URI:	http://repository.ub.ac.id/id/eprint/11094

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