Analisis Literasi dan Rasional Ekonomi Masyarakat Dalam Memanfaatkan Jasa Simpan Pinjam Lembaga Keuangan Informal
DOI:
https://doi.org/10.63822/z7w5zc79Keywords:
Economic literacy; Rational economic; Loan sharkAbstract
Economics is one of the challenges humans faces in everyday life, especially in meeting their needs. Humans must meet all their complex needs to survive. Economic behavior is a measure of societal behavior, especially family economics. To avoid economic problems within the family, people often choose to use credit services from loan shark. Due to various factors behind people's savings and loans, they agree to pay high interest rates as long as they can meet their needs. This study used a qualitative narrative approach. This study involved five informants, consisting of savings and loan service users and third parties. The research findings showed that the Kalidilem community borrowed money from loan shark without their partners' knowledge, and that the proceeds were mostly used for personal needs, not for starting businesses. The level of economic literacy and rationality of the Kalidilem community is relatively low because they still do not understand the concepts and indicators of economic literacy and rationality and are still unable to utilize legal financial services, which impacts the family economy.
References
Arief, M. Z., & Sutrisni, S. (2013). Praktek Rentenir Penghambat Terwujudnya Sistem Hukum Perbankan Syari’ah Di Kabupaten Sumenep. Performance: Jurnal Bisnis Dan Akuntansi, 3(2), 63-82. https://www.ejournalwiraraja.com/index.php/FEB/article/view/103
Dewi, D. H., Sudja, M. D., & Nova, R. (2022) ANALISIS FAKTOR YANG MEMPENGARUHI MASYARAKAT DALAM MENGGUNAKAN JASA BANK EMOK DI DESA CILEMBER KECAMATAN CISARUA. Journal of Public Power, 6(2), 113-121. https://doi.org/10.32492/jpp.v6i1.6106
Ferdian, P. N., Noor, E., & Riyo, R. (2022). Literasi Ekonomi Mahasiswa Endidikan Ekonomi Universitas Mulawarman. Prosiding Prodi Pendidikan Ekonomi FKIP Universitas Mulawarman Tahun 2022, 40-45. https://jurnal.fkip.unmul.ac.id/index.php/escs/article/download/1188/791
Firawaty & Rea, D. A. H. (2018). Pengaruh Literasi Ekonomi Dan Kelompok Teman Sebaya Terhadap Perilaku Pembelian Impulsif Untuk Produk Fashion Pada Mahasiswa Pendidikan Ekonomi Angkatan 2015 Di Fakultas Ekonomi Universitas Negeri Medan. Jurnal Ekonomi Pendidikan, 6(7), 21-27. https://jurnal.unimed.ac.id/2012/index.php/ekodik/article/view/12088
Firmansyah, H. (2021). Teori Rasionalitas Dalam Pandangan Ilmu Ekonomi Islam. El-Ecosy: Jurnal Ekonomi dan Keuangan Islam, 1(1), 35-51. https://doi.org/10.35194/eeki.v1i1.1136
Larasati, L., & Setiawan, R. . (2022). Perilaku Meminjam Masyarakat Pengguna Jasa Bank Keliling. Jurnal Pendidikan Tambusai, 6(2), 10810–10817. https://doi.org/10.31004/jptam.v6i2.4143
Mukhtaliana, F. (2020). Analisis Permintaan Kredit Pada Bank Keliling Dan Pengaruhnya Terhadap Kesejahteraan Masyarakat Di Kabupaten Sidoarjo. Undergraduate Thesis, UIN Sunan Ampel Surabaya. http://digilib.uinsa.ac.id/44147/
Ngasifudin, M. (2017) Rasionalitas Dalam Ekonomi Islam. Jurnal Ekonomi Syariah Indonesia, 7(2), 111-119. http://dx.doi.org/10.21927/jesi.2017.7(2).111-119
Pratiwi, N.R., Prajawati, M.I., & Basir S. (2021). Kredit Rentenir Dan Silaturahmi. Jurnal Samudra Ekonomi dan Bisnis, 12(1), 102-116. https://doi.org/10.33059/jseb.v12i1.2296.
Rahayani, E., & Ediwidjojo, S. P. . (2021). Faktor-Faktor Yang Mempengaruhi Pelaku Usaha Dalam Berhubungan Dengan Rentenir Di Pasar Tumenggungan Kebumen. Jurnal Pendidikan Tambusai, 5(3), 6405–6414. https://doi.org/10.31004/jptam.v5i3.1960
Rahmi, A. A., Hizriyani, R., & Sopiah, C. (2022). Analisis Teori Hierarki Of Needs Abraham Maslow Terhadap Perkembangan Sosial Emosional Anak Usia Dini. Aulad: Journal on Early Childhood, 5(3), 320–328. https://doi.org/10.31004/aulad.v5i3.385
Rohman, A. (2023). Pengaruh Literasi Ekonomi Dan Gaya Hidup Terhadap Perilaku Konsumtif. NATUJA: Jurnal Ekonomi Syariah, 2(2), 098-105. https://doi.org/10.69552/natuja.v2i2.1581
Sina, P. G. (2012). Analisis Literasi Ekonomi. Jurnal Economia, 8(2), 135–143. https://doi.org/10.21831/economia.v8i2.1223
Sitepu, A. (2020). Fenomena Rentenir: Studi Eksploratori di Kabupaten Bekasi dan Sekitarnya. Sosio Konsepsia: Jurnal Penelitian Dan Pengembangan Kesejahteraan Sosial, 10(1), 55–73. https://doi.org/10.33007/ska.v10i1.2022
Antaranews.com. (2019, 31 Oktober). Membangun Kesadaran Masyarakat Melawan Rentenir. Diakses pada 1 Januari 2026, dari https://www.antaranews.com/berita/1139531/membangun-kesadaran-masyarakat-melawan-rentenir.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Dwi Yanuarindah Putri, Fidyah Jayatri (Author)
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
