IMPLEMENTASI THEORY OF PLANNED BEHAVIOR (TPB) PADA PENGUKURAN PERSEPSI PENDAPATAN BUNGA BANK KONVENSIONAL
DOI:
https://doi.org/10.24090/ej.v8i2.3970Keywords:
bank, interest, income, usury, TPBAbstract
Knowledge about illegitimate of usury is growing rapidly in the community. Based on this knowledge, the community is motivated to make various efforts in avoiding usury, one of which is to avoid receiving bank interest from the deposit of funds in the bank. This research aims to study the factors that influence people's intentions and actions in avoiding bank interest income by using Theory of Planned Behavior (TPB) as a theoretical basis. The sample in this study amounted to 55 respondents who came from the usury-free community. Data was collected through a questionnaire consisting of 20 statements and analyzed with the Structural Equation Model (SEM). The test results state that attitudes negatively affect individual intentions to avoid bank interest income while subjective norms have the opposite effect, the similarity of the two is a less powerful effect. Perceived behavioral control has a positive and strong influence on intentions, as well as intentions that influence individual avoidance of bank interest income.References
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Aksin, N. (2013). Perbandingan Sistem Bagi Hasil Dan Bunga Di Bank Muamalat Indonesia dan CIMB NIAGA. Journal of Economics and Policy Vol. 6 No. 2, 103-213.
Aqmar, N. A. (2017, February 24). www.kompasiana.com. Retrieved July 1, 2020, from www.kompasiana.com: https://www.kompasiana.com/nadhilaalfildzaaqmar/58afd781f77e618d187fc6ef/menghindari-riba-di-zaman-lingkungan-yang-serba-riba
Ghozali, I. (2015). Aplikasi Analisis Multivariate dengan Program IBM SPSS 21 Update PLS Regresi. Semarang: Badan Penerbit Universitas Dipenogoro.
Haris, A., Tho’in, M., & Wahyudi, A. (2012). Sistem Ekonomi Perbankan Berlandaskan Bunga (Analisis Perdebatan Bunga Bank Termasuk Riba Atau Tidak). Jurnal Akuntansi Dan Pajak Vol 13, No. 01, 22-27.
Hartono, J. (2017). Metodologi Penelitian Bisnis (Salah kaprah dan pengalaman-pengalaman). Yogyakarta: BPFE.
Haryanto, R. (2010). Bagi Hasil dan Bank Syari'ah (Solusi terhadap Bunga Bank). Al-Ihkam Vo. 5 No. 2, 243-256.
Hasyim, M. S. (2008). Bunga Bank : Antara Paradigma. Jurnal Hunafa Vol. 5 No. 1, 45-58.
Hidayat, A. (2018, Agustus 25). www.statistikian.com. Retrieved Juli 3, 2020, from www.statistikian.com: https://www.statistikian.com/2018/08/pengertian-partial-least-square-pls.html
Hossain, M. Z. (2009). Why is interest prohibited in Islam? A statistical justification. Humanomics Vol. 25 No. 4, 241-253.
Irawati. (2018). Pengaruh Pengetahuan Masyarakat Tentang Riba Terhadap Perilaku Utang Piutang Di Kecamatan Anreapi Kabupaten Polewali Mandar. MAKASSAR: UNIVERSITAS ISLAM NEGERI ALAUDDIN.
Jalil, M. A., & Rahman, M. K. (2010). Financial Transactions in Islamic Banking are Viable Alternatives to the. International Journal of Business and Social Science Vol. 1 No. 3, 219-233.
Karim, A. A., & Sahroni, O. (2018). Riba, Gharar dan Kaidah-kaidah Ekonomi Syariah (Analisis Fikih dan Ekonomi). Depok: Rajawali Pers.
Konsultan Statistik. (2010). www.konsultanstatistik.com. Retrieved Juli 7, 2020, from www.konsultanstatistik.com: https://www.konsultanstatistik.com/2010/10/simulasi-smartpls_852.html
Krjogja. (2017, Januari 14). www.krjogja.com. Retrieved Juli 1, 2020, from www.krjogja.com: https://www.krjogja.com/berita-lokal/diy/bantul/komunitas-bahagia-tanpa-riba-siapa-mereka/
Liberty. (2013). Implikasi Sistem Bunga dan Bagi Hasil Terhadap Kinerja Keuangan Perbankan. Adzkiya: Jurnal Hukum dan Ekonomi Islam vol. 1 No. 2.
Majelis Ulama Indonesia. (2004, Januari 24). FATWA MAJELIS ULAMA INDONESIA Nomor 1 Tahun 2004 Tentang BUNGA (INTEREST/FA’IDAH). FATWA MAJELIS ULAMA INDONESIA Nomor 1 Tahun 2004 Tentang BUNGA (INTEREST/FA’IDAH). Jakarta, DKI Jakarta, Indonesia: Komisi Fatwa Majelis Ulama Indonesia.
Marwini. (2017). Kontroversi Riba Dalam Perbankan Konvensional Dan Dampaknya Terhadap PerekonomianAz Zarqa’, Vol. 9, No. 1. Az Zarqa’ Vol. 9, No. 1, 1-18.
Musri, M., & Rama, A. (2015). Analisis Perilaku Deposan Perbankan Di Indonesia (Studi Kasus Bank Syariah Dan Konvensional). The Journal of Tauhidinomics Vol. 1 No. 1, 1-34.
Nurhadi. (2017). Bunga Bank Antara Halal dan Haram. Nur El-Islam Volume 4, Nomor 2, 49-78.
Obiyo, O. C. (2008). Islamic financing/banking in the Nigerian economy Is it workable? A review of related issues. International Journal of Islamic and Management Vol. 1 No. 3, 227-234.
Oktavendi, T. (2015). Makna Bunga Bank: Sebuah Kajian Interaksionisme Simbolik. Jurnal Reviu Akuntansi dan Keuangan Vol.5 No. 2, 769-780.
Pangestu, F., & Rusmana, O. (2012). Analisis Faktor-Faktor Yang Berpengaruh Terhadap Tax Compliance Penyetoran Spt Masa (Survei Pada Pkp Yang Terdaftar Di Kpp Pratama Purwokerto). Simposium Nasional Akuntansi. Jakarta: Universitas Indonesia.
Primasari, D. (2018). Akuntansi Keperilakuan (Konsep dan teori empiris dalam riset akuntansi). Banyumas: Penulis Muda.
radartasikmalaya. (2018, September 29). www.radartasikmalaya.com. Retrieved Juli 1, 2020, from www.radartasikmalaya.com: https://www.radartasikmalaya.com/komunitas-tasik-bebas-riba-bantu-masyarakat-terbebas-dari-riba/
Suardi, D. (2019). Pandangan Riba Dan Bunga; Perspektif Lintas Agama Dan Perbedaannya Dengan Sistem Bagi Hasil Dalam Ekonomi Islam. Banque Syar’i: Jurnal Ilmiah Perbankan Syariah Volume 5 Nomor 1, 59 – 66.
Syed, I. Y. (2018, April 13). Interest in Sharia: legal consequences and penal aspects in Sharia. Retrieved Juni 26, 2019, from www.ssrn.com: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3369733
Tsani, F. (2009). Bunga bank (Studi perbandingan antara pandangan Muhammad 'Abduh dan Murtada Mutahhari). Yogyakarta: Universitas Islam Negeri Sunan Kalijaga.
Usman, S. S. (2014). Bunga Bank dalam Persfektif Hukum Islam. Tahkim Vol. X No. 1, 16-35.
Yusuf, M. Y. (2012). Dinamika Fatwa Bunga Bank di Indonesia: Kajian Terhadap Fatwa MUI, Muhammaddiyah dan Nahdhatul Ulama. Media Syariah, Vol. XIV No. 2, 151-159.
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Published
2020-11-27
How to Cite
Dewi, L., & Lestari, P. (2020). IMPLEMENTASI THEORY OF PLANNED BEHAVIOR (TPB) PADA PENGUKURAN PERSEPSI PENDAPATAN BUNGA BANK KONVENSIONAL. El-Jizya : Jurnal Ekonomi Islam, 8(2), 176–209. https://doi.org/10.24090/ej.v8i2.3970
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