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"Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah, religiusitas, dan karakteristik sosial ekonomi terhadap financial distress pada mahasiswa Universitas Indonesia yang menerima bantuan keuangan atau beasiswa. Jumlah sampel yang digunakan dalam penelitian ini yaitu 226 responden yang merupakan mahasiswa S1 Universitas Indonesia yang mendapatkan bantuan keuangan atau beasiswa serta beragama islam. Data dalam penelitian dikumpulkan melalui metode survei dengan menyebarkan kuesioner secara online. Pengelolaan data primer dilakukan menggunakan metode analisis regresi linier berganda dengan menggunakan bantuan software SPSS. Hasil dari penelitian menunjukkan bahwa literasi keuangan syariah dan religiusitas berpengaruh negatif dan signifikan terhadap financial distress. Karakteristik sosial ekonomi tempat tinggal dan keputusan berinvestasi berpengaruh terhadap financial distress.

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This study aims to analyze the effect of Islamic financial literacy, religiosity, and socio-economic characteristics on financial distress among students at the University of Indonesia who receive financial assistance. The samples used in this study were 226 respondents who were undergraduate students at the University of Indonesia who received financial assistance or scholarships and were Muslim. Data in the study were collected through a survey method by distributing questionnaires online. Primary data management is carried out using multiple linear regression analysis using SPSS software. The results of the study show that Islamic financial literacy and religiosity have a negative and significant effect on financial distress. Socioeconomic characteristics of residence and investment decisions affect financial distress."

"[ABSTRAKbrKonsumsi sektor privat di masa modern pada dasarnya dibiayai melalui dua cara: pertama, pendapatan, yang kedua, kredit konsumsi. Pertumbuhan kredit konsumsi yang positif tidak semata-mata menandai bahwa konsumen sudah bijak dalam menentukan keputusan kreditnya dan memiliki literasi keuangan memadai dalam mengambil keputusan. Riset ini berfokus meneliti probabilitas pilihan kredit konsumsi konsumen dalam membiaya konsumsinya, berdasarkan tingkat literasi keuangan dengan mengontrol karakteristik sosio-demografis responden menggunakan Survei Literasi Keuangan Bank Indonesia 2012. Studi ini membuktikan bahwa literasi keuangan berkontribusi positif terhadap kepemilikan dan pilihan kredit konsumsi, khususnya untuk kredit beragunan. Kovariat yang terbukti signifikan mempengaruhi probabilitas pilihan kredit konsumsi yakni umur, kepemilikan mobil, pendapatan, dan pendidikan tinggi.;Modern day private consumption is basically financed through two options first is disposable income and second consumer credit While the growth of consumer credit and investment is positive these same consumers may not yet possess adequate financial literacy to be able to make a wise credit decision for their consumption This paper focuses to examine the likelihood of consumption borrowing choices rsquo based on consumers rsquo financial literacy by controlling the socio demographic characteristic using Bank Indonesia Financial Literacy Survey 2012 I find that financial literacy contributes positively to consumer credit ownership and choice particularly for the case of secured debt Significant covariates contributing to the choice of consumer credit include age car ownership income and high education ;Modern day private consumption is basically financed through two options first is disposable income and second consumer credit While the growth of consumer credit and investment is positive these same consumers may not yet possess adequate financial literacy to be able to make a wise credit decision for their consumption This paper focuses to examine the likelihood of consumption borrowing choices rsquo based on consumers rsquo financial literacy by controlling the socio demographic characteristic using Bank Indonesia Financial Literacy Survey 2012 I find that financial literacy contributes positively to consumer credit ownership and choice particularly for the case of secured debt Significant covariates contributing to the choice of consumer credit include age car ownership income and high education ;Modern day private consumption is basically financed through two options first is disposable income and second consumer credit While the growth of consumer credit and investment is positive these same consumers may not yet possess adequate financial literacy to be able to make a wise credit decision for their consumption This paper focuses to examine the likelihood of consumption borrowing choices rsquo based on consumers rsquo financial literacy by controlling the socio demographic characteristic using Bank Indonesia Financial Literacy Survey 2012 I find that financial literacy contributes positively to consumer credit ownership and choice particularly for the case of secured debt Significant covariates contributing to the choice of consumer credit include age car ownership income and high education , Modern day private consumption is basically financed through two options first is disposable income and second consumer credit While the growth of consumer credit and investment is positive these same consumers may not yet possess adequate financial literacy to be able to make a wise credit decision for their consumption This paper focuses to examine the likelihood of consumption borrowing choices rsquo based on consumers rsquo financial literacy by controlling the socio demographic characteristic using Bank Indonesia Financial Literacy Survey 2012 I find that financial literacy contributes positively to consumer credit ownership and choice particularly for the case of secured debt Significant covariates contributing to the choice of consumer credit include age car ownership income and high education ]"

"Penelitian ini bertujuan untuk mengetahui faktor-faktor yang memengaruhi tingkat literasi keuangan syariah pelaku UMKM muslim di Indonesia dengan analisis faktor demografis, karakteristik usaha dan religiusitas yang akan diteliti. Penelitian ini menggunakan analisis data primer melalui penyebaran kuesioner kepada 203 responden. Metode analisis data yang digunakan yaitu statistics descriptive meliputi uji independent t-Test, ANOVA, dan regresi linear. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan syariah pelaku UMKM muslim yang diteliti dipengaruhi oleh latar belakang pendidikan, karakteristik usaha dan religiusitas. Selain itu, terdapat temuan lain seperti pengetahuan ekonomi syariah dari sektor formal dan kepemilikan rekening bank syariah yang berpengaruh terhadap tingkat literasi keuangan syariah pelaku UMKM muslim di Indonesia.

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This study aims to determine the factors that affected to the level of sharia financial literacy Muslim SMEs in Indonesia with focuses on demographic factor, business characteristics and religiosity to be studied. This study uses primary data analysis through questionnaires distributed to 203 respondents. Data analysis methods used are descriptive statistics include independent test t test, ANOVA, and linear regression.

The results showed that the level of sharia financial literacy of Muslim SMEs in Indonesia influenced by educational background, business characteristics and religiosity. In addition, there are other findings such as sharia economic knowledge from the formal sector and ownership of Islamic bank accounts that affect the level of Islamic financial literacy of Muslim SMEs in Indonesia."