Analisis Perbandingan Literasi Keuangan (Pengelolaan Keuangan) Karyawan Bank Umum Konvensional Dengan Karyawan Bank Syariah Indonesia Di Kabupaten Kolaka

Renaldi Rausan, NIM. 2020050102055, R (2024) Analisis Perbandingan Literasi Keuangan (Pengelolaan Keuangan) Karyawan Bank Umum Konvensional Dengan Karyawan Bank Syariah Indonesia Di Kabupaten Kolaka. Other thesis, IAIN Kendari.

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Abstract

ABSTRAK

Renaldi Rausan, NIM. 2020050102055. Analisis Perbandingan
Literasi Keuangan (Pengelolaan Keuangan) Karyawan Bank
Umum Konvensional Dengan Karyawan Bank Syariah Indonesia
Di Kabupaten Kolaka. Skripsi program studi Perbankan Syariah
Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri
Palopo. Dibimbing oleh Muhamad Imran SE, M.Ak
Skripsi ini bertujuan untuk mengetahui perbadingan tingkat literasi
keuangan karyawan Bank Umum Konvensional dan karyawan Bank
Syariah Indonesia di Kabupaten Kolaka; menganalisis perbedaan
literasi keuangan karyawan Bank Umum Konvensional dan Karyawan
Bank Syariah Indonesia di Kabupaten Kolaka. Jenis penelitian yang
digunakan adalah penelitian kuantitatif dengan metode teknik analisis
deskriptif dan teknik analisis perbedaan melalui analisis Uji-T
menggunakan Independent Sample Test. Populasi penelitian ini adalah
karyawan Bank Umum Konvensional (BRI KC Kolaka ) dan karyawan
Bank Syariah Indonesia (BSI KCP Kolaka). Adapun teknik
pengambilan sampel yang digunakan adalah probability sampling
methods atau randomly sampling methods. Sampel dalam penelitian ini
adalah 16 karyawan bank umum konvensional dan 16 karyawan
Karyawan bank syariah Indonesia. Data digunakan dalam penelitian ini
adalah data primer melalui pembagian kuesioner penelitian di lokasi
bank. Hasil penelitian ini menunjukkan bahwa; pertama gambaran
tingkat literasi keuangan karyawan Bank Umum Konvensional adalah
80,07% dan gambaran tingkat literasi keuangan karyawan Bank
Syariah Indonesia adalah 76,53%, sehingga berdasarkan hal tersebut
bahwa tingkat literasi keuangan karyawan kedua intansi tersebut relatif
tinggi dan sedang. Kedua, hasil uji parsial (uji t) melalui independent
sample test memberikan gambaran nilai signifikansi variabel literasi
keuangan karyawan yaitu antara lain Financial Basic 0,642, Financial
Safety 0,470, Financial Growth 0,260 dan Financial Freedom
A BSTRAK | x
0,356/357 lebih besar dibandingkan taraf signifikansi yang digunakan
dalam penelitian ini yaitu 0,05 sehingga tidak terdapat perbedaan
dengan memberikan hasil kesimpulan yaitu “H0 diterima”, dan “H1
ditolak”.
Kata Kunci: Karyawan Bank Umum Konvensional, Karyawan
Bank Syariah Indonesia Literasi KeuanganABSTRACT
Renaldi Rausan, NIM. 2020050102055. Comparative Analysis of
Financial Literacy (Financial Management) of Conventional
Commercial Bank Employees with Indonesian Sharia Bank
Employees in Kolaka Regency. Thesis Sharia Banking study
program, Faculty of Economics and Islamic Business, Palopo State
Islamic Institute. Supervised by Muhamad Imran SE, M.Ak
This thesis aims to determine the level of financial literacy of
Conventional Commercial Bank Employees and Indonesian Sharia
Bank Employees in Kolaka Regency; analyzing differences in financial
literacy of Conventional Commercial Bank Employees and Indonesian
Sharia Bank Employees in Kolaka Regency. The type of research used
is quantitative research with descriptive analysis technique method and
difference analysis technique through T-test analysis using Independent
Sample Test. The population of this research is Conventional
Commercial Bank Employees (BRI KC Kolaka) and Indonesian Sharia
Bank Employees (BSI KCP Kolaka). The sampling technique used is
probability sampling methods or randomly sampling methods. The
samples in this study were 16 employees of conventional commercial
banks and 16 employees of Indonesian Islamic bank employees. The
data used in this study are primary data through the distribution of
research questionnaires at the bank location. The results of this study
indicate that; first, the description of the level of financial literacy of
employees of Conventional Commercial Banks is 12.98% and the
description of the level of financial literacy of employees of Bank
Syariah Indonesia is 12.27%, so based on this that the level of financial
literacy of employees of the two institutions is still relatively low.
Second, the results of the partial test (t test) through an independent
sample test provide an overview of the significance value of employee
financial literacy variables, including Financial Basic 0.642, Financial
Safety 0.470, Financial Growth 0.260 and Financial Freedom
A BSTRACT | xii
0.356/357 greater than the significance level used in this study, namely
0.05 so that there is no difference in the financial literacy of BRI KC
Kolaka employees and BSI KCP Kolaka employees.
Keywords: Conventional Commercial Bank Employees, Islamic Bank
Employees Indonesia Financial Literacy

Item Type: Thesis (Other)
Additional Information: Kata Kunci: Karyawan Bank Umum Konvensional, Karyawan Bank Syariah Indonesia Literasi Keuangan
Uncontrolled Keywords: Kata Kunci: Karyawan Bank Umum Konvensional, Karyawan Bank Syariah Indonesia Literasi Keuangan
Subjects: 300 Ilmu Sosial > 332 Ekonomi Keuangan
Ekonomi > Bank
Ekonomi > Bank Islam
Divisions: Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah
Depositing User: Unnamed user with username asni
Date Deposited: 21 Oct 2024 01:43
Last Modified: 21 Oct 2024 01:43
URI: http://digitallib.iainkendari.ac.id/id/eprint/3435

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