ANALISIS PERBEDAAN LITERASI KEUANGAN MASYARAKAT ANGGOTA CREDIT UNION DENGAN ANGGOTA BAITUT TAMWIL (Studi Kasus pada Credit Union Cikal Mas Purwokerto dan Baitut Tamwil Muhammadiyah Dana Mentari Patikraja)

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 Tamwil Muhammadiyah 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 Patikraja as according to the theory used by Islamic financial institutions that profit sharing agreement to both parties when the contract is underway.

Keywords:    Baitut Tamwil, Credit Union, Financial Education, Financial Literacy, Mann Whitney U – test