The Influence of Financial Literacy on The Behavior of Civil Servants in Choosing Pension Financing in Syariah Banks
DOI:
https://doi.org/10.29240/jsmp.v6i2.12393Keywords:
Pension, Financing Management, CapitalAbstract
There are quite a few new entrepreneurs who are entering retirement, whose entrepreneurial decisions are motivated by many reasons, ranging from unpreparedness of pension funds, activities in old age, to the existence of business opportunities. However, funding problems are a common initial problem. Therefore, there are many ways to start a business. One of them is bank financing. This study aims to test the influence of bank financial literacy and marketing policies on pension financing decisions in Islamic banks. Data were collected through objective sampling from 30 civil servants who were interviewed. The research method used is quantitative (Informal). In testing the hypothesis, SPSS is used as a data analysis tool. The results showed that economic literacy influenced the behavior of 54.6% of civil servants, while the rest were influenced by other variables. This research contributes to the literature on financial literacy and its impact on financial decision-making within the context of Sharia banking. The results underscore the importance of enhancing financial literacy programs targeted at civil servants to improve their financial choices and promote the growth of Sharia banking products. Recommendations for policymakers and financial institutions are provided to facilitate better financial education and support for civil servants in their pension planning.
Downloads
References
Adiyanto, MR, & Purnomo, ASD (2021). The Impact of the Level of Sharia Financial Literacy on Interest in Using Sharia Financial Products. Journal of Office Administration, 9(1), 1–12.
Andini, S. (2022). Pension Financing Product Marketing Strategy in Increasing the Number of Customers at BSI Palopo City. Repository.Iainpalopo.Ac.Id.Http://Repository.Iainpalopo.Ac.Id/Id/Eprint/5156/1/SartikaAndini.Pdf
Bancin, IWD, & Jannah, N. (2022). Analysis of Customer Interest in Using the Bsi Mobile Application in E-Commerce Payments: A Case Study of Uinsu Students. Journal of Computer Science, Economics and Management (Jikem), 2(2), 1487–1499.
Fathurrochman, I. (2021). Perilaku dan budaya organisasi. Penerbit Adab.
Fathurrochman, I. (2022). Implementation of Student Management in Improving the Quality of SDIT Ummatan Wahidah, Rejang Lebong Regency. Jurnal Ilmiah Pendidikan Holistik (JIPH), 1(3), 193-202.
Fathurrochman, I., Kusen, K., Rahman, Y., & Indarto, H. (2020). The public relations strategies at higher education in Indonesia. Journal of critical reviews (JCR), 7(8), 2745-2752.
Fathurrochman, I., Ristianti, D. H., & Mohamed Arif, B. M. A. S. (2020). Revitalization of Islamic Boarding School Management to Foster The Spirit of Islamic Moderation on Indonesia. Jurnal Pendidikan Islam, 8(2), 239-258.
Fathurrochman, I., Yurika, T. A., Sugianti, I., & Asha, L. (2022). Peran Majelis Pendidikan Dasar Dan Menengah Muhammadiyah Dalam Pengembangan Lembaga Pendidikan Di Kabupaten Kepahiang. Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam, 14(1), 201-225.
Fathurrochman, I., Yurika, T. A., Sugianti, I., & Asha, L. (2022). Peran Majelis Pendidikan Dasar Dan Menengah Muhammadiyah Dalam Pengembangan Lembaga Pendidikan Di Kabupaten Kepahiang. Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam, 14(1), 201-225.
Murfi, A., Fathurrochman, I., Atika, A., & Saiva Jannana, N. (2020). Kepemimpinan Sekolah dalam Situasi Krisis Covid-19 di Indonesia. MANAGERIA: Jurnal Manajemen Pendidikan Islam, 5 (1), 119–136.
Ristianti, D. H., & Fathurrochman, I. (2020). Penilaian Konseling Kelompok. Deepublish.
Sabir, Z., Ali, M. R., Fathurrochman, I., Raja, M. A. Z., Sadat, R., & Baleanu, D. (2022). Dynamics of multi-point singular fifth-order Lane–Emden system with neuro-evolution heuristics. Evolving Systems, 13(6), 795-806.
Susiyanti, M., Fathurrochman, I., & Iswanto, R. (2022). Strategy for the Development of Educators in Improving the Quality of Education at Madrasah Tsanawiyah Baitul Makmur Curup. International Journal of Educational Review, 4(1), 154-168.
Haya Salwa Fadhilah, KT (2022). The Influence Of Creative Economy Workforce And Export Of Creative Economy Products On Indonesia's Economic Growth. 2.No.1(1), 82–90.
Infobanknews.Com. (2019). As Many As 9 Out Of 10 People Are Not Ready To Face Retirement. Infobanknws.Com.Https://Www.Google.Com/Url?Q=Https://Infobanknews.Com/Sebanyak- 9-Dari-10-Orang-Belum-Siap-Hadapi-Masa Pensiun/Amp/&Sa=U&Sqi=2&Ved=2ahukewihrrft45ieaxwns2wghvluchgqfnoecbaqaq &Usg=Aovvaw2n95s0as3udgh7tc3qy4vm
KBBI. (ND). Pension Fund.
Liputan6.Com. (2023). Civil Servants Have Many Debts, Evidence of Financial Literacy is Still Minimal. Jakarta. Https://Www.Liputan6.Com/Bisnis/Read/5190206/Pns-Punya- Banyak-Utang-Bukti-Literasi-Finance-Still-Minimal
Lpip. (22023). Bpip Releases Provinces In Indonesia With High Credit Risk. Bpr Nusa Intim. Bprnusaintim.Co.Id ›
Muhammad Ikhsan Harahap, M. (2021). Money Market and Sharia Capital Market (M. Khamal Rokan (Ed.)). Febi Uin-Su Press.
Pratama, WP (2019). Why Should You Keep Working When You Retire? Bisnis.Com. Https://Finansial.Bisnis.Com
Putri, SS (2020). Pension Financing Mechanism at PT. Bank Syariah Mandiri Klaten Branch. Islamic University of Indonesia. Https://Www.Google.Com/Url?Sa=T&Rct=J&Q=&Esrc=S&Source=Web&Cd=&Cad=Rja&Uact=8&Ved=2ahukewjtksy6hleeaxuyxdgghxtgdvkqfnoecbaqaq&Url=Https%3a%2f%2fdspaCe.Uii.Ac.Id%2fbitstream%2fhandle%2f123456789%2f30388%2f17213033%2520shell A%2520shelviana%2520putri.Pdf%3fs
Santika, EF (2023). Indonesia's Financial Literacy Index Increases in 2023. https://Databoks.Katadata.Co.Id/Datapublish/2023/12/11/Indeks-Literasi-Keuangan- Indonesia-Naik-Pada-2023#:~:Text=Katadata Insight Center Research Results, 66%2c5 Points in 2020.
Tuti Anggraini, IL (2021). Analysis of Marketing Strategy of Mitraguna Financing Credit in Attracting Customer Interest at Bank Syariah Indonesia Ex Bank Syariah Mandiri Kcp Stabat. Journal Economy And Currency Study (Jecs), 3(2), 37–46. Https://Doi.Org/10.51178/Jecs.V3i2.297
Yusuf, D. &. (2018). Financial Literacy. National Council for Financial Inclusion. Https://Snki.Go.Id/Literasi-Keuangan
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Copyright (c) 2025 Rendi Purba, Ahmad Perdana Indra, Tuti Anggraini
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
This work is licensed under a 