ANALISIS PERBEDAAN LITERASI KEUANGAN MASYARAKAT ANGGOTA CREDIT UNION DENGAN ANGGOTA BAITUT TAMWIL

Abstract

This study is a survey on Credit Union (CU) Cikal Mas Purwokerto and Baitut
Tamwil Muhammadiyah (BTM) Dana Mentari Patikraja members in Banyumas. The
aims of this study are to determine: (1) The differences of financial literacy levels between
CU Cikal Mas Purwokerto and BTM Dana Mentari Patikraja members at the
three aspects i.e. behaviors, knowledge and attitudes, (2) The level of sharia aspects
knowledge of BTM Dana Mentari Patikraja members, (3) The implementation of interest
system of CU Cikal Mas Purwokerto, and (4) The implementation of profit sharing
system of BTM Dana Mentari Patikraja.
The population in this study are individuals in Banyumas who grouped into two
groups, i.e. the members of Credit Union Cikal Mas Purwokerto and the members of
Baitut TamwilMuhammadiyah Dana Mentari Patikraja. There were 60 respondents
taken in this study which consisted of 30 respondents for each group. Based on the research
and analysis of data using different test Mann Whitney U showed that: (1)There
are differences between the financial literacy levels of CU Cikal Mas Purwokerto
members and BTM Dana Mentari Patikraja members viewed from three aspects: behaviors,
knowledge and attitudes,(2) The level of sharia aspects knowledge of BTM
Dana Mentari Patikraja members are relatively low, (3) The implementation of interest
system in CU Cikal Mas Purwokerto as according to the theory that the loan interest
relatively smaller than the saving interest, it known based on interview with managers
of CU Cikal Mas Purwokerto, and (4) The implementation of profit sharing system
in BTM Dana Mentari Patikrajaas according to the theory used by Islamic financial
institutions that profit sharing agreement to both parties when the contract is underway.