Pengaruh Tingkat Pemahaman Riba terhadap Praktik Utang Piutang Pedagang di Pasar Kordon Kujangsari Kota Bandung

Iin Safariah; Sri Jubaida Arifin

doi:10.53697/emak.v7i1.3403

Authors

Iin Safariah Universitas Sali Al-Aitaam
Sri Jubaida Arifin Universitas Sali Al-Aitaam

DOI:

https://doi.org/10.53697/emak.v7i1.3403

Keywords:

Debt and Credit Behavior, Islamic Finance, Kordon Kujangsari Market, Traditional Market Traders, Usury Knowledge

Abstract

This study examines the effect of traders’ understanding of riba on debt–credit behavior at Pasar Kordon Kujangsari, Bandung City, while also describing the level of traders’ knowledge and the conformity of debt practices with Sharia principles. The analysis focuses on the relationship between Islamic financial literacy and traders’ economic behavior, considering that debt transactions remain essential for sustaining micro-enterprises in traditional markets. The research adopts a quantitative approach using a survey method, with primary data collected through a five-point Likert-scale questionnaire administered to 66 traders selected randomly from a population of 190 using the Slovin formula at a 90 percent confidence level. Data analysis was conducted using SPSS version 29 through validity and reliability tests, classical assumption tests, simple linear regression, and hypothesis testing. The results indicate that traders’ knowledge of riba is at a moderately high level and that their debt–credit behavior is relatively positive. Regression analysis confirms a positive and significant effect of riba understanding on debt behavior, with a regression coefficient of 0.162, a significance value of 0.005, and a coefficient of determination (R²) of 0.117, underscoring the importance of strengthening Islamic financial literacy and support for Sharia-compliant financing in traders’ economic practices.

Downloads

Download data is not yet available.

References

Abasimel, N. A. (2023). Islamic Banking and Economics: Concepts and Instruments, Features, Advantages, Differences from Conventional Banks, and Contributions to Economic Growth. Journal of the Knowledge Economy, 14(2), 1923–1950. https://doi.org/10.1007/s13132-022-00940-z

Abdurrahim, B. (2022). Faktor-faktor yang Mempengaruhi Kinerja Karyawan Produksi Produsen Herbal. Politeknik Pembangunan Pertanian Yogyakarta Magelang.

Alam, A., Sari, D. P., & Habibi, B. (2020). Penyuluhan Etika Hutang Piutang dalam Islam di Dusun Bendosari Kabupaten Sukoharjo. Amaliah: Jurnal Pengabdian Kepada Masyarakat, 4(1), 1–13. https://doi.org/10.32696/ajpkm.v4i1.324

Andika, B., Akbar, R., Harahap, H., & Marliyah. (2024). Analisis Pengaruh Tingkat Pengetahuan Masyarakat Kota Medan Terhadap Riba. Journal of Sharia Economics Scholar (JoSES), 2(2), 87–90. https://doi.org/10.5281/zenodo.12608450

Ayuningtyas, A. S., & Ruslim, T. S. (2021). Faktor-Faktor yang Mempengaruhi Buying Decision Konsumen Green Product di Jakarta. Jurnal Manajerial Dan Kewirausahaan, 3(4), 904. https://doi.org/10.24912/jmk.v3i4.13431

Bank Indonesia. (2022). Survei Perbankan Triwulan IV 2021: Pertumbuhan Kredit Baru Terindikasi Meningkat (Siaran Pers). Bank Indonesia. https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_241622.aspx

Fauzizah, N., & Setiawan, A. (2023). Pedagang Pasar Bringin: Faktor-Faktor yang Mempengaruhi Keputusan Penggunaan Produk Bank Syariah. Journal of Halal Industry Studies, 2(1), 1–10. https://doi.org/10.53088/jhis.v2i1.754

Fitriyadi, M. Y., Rahman, M. R., Asshidiqi, M. R. A., Ilham, M. A., Nurleli, Aibina, O. I., Hesda, N., & Fayyedh, F. Al. (2023). Pengaruh Dunia IT terhadap Perilaku Remaja Generasi Z. Religion: Jurnal Agama, Sosial, Dan Budaya, 1(2).

Fuadi, A., Nurlaela, S., & Aziza, E. N. (2025). Pemberdayaan Petani Berbasis Participatory Action Research (PAR) untuk Meningkatkan Adopsi Budidaya Bawang Merah di Desa Tambakrejo. Jurnal Pemberdayaan Masyarakat, 13(1), 53. https://doi.org/10.37064/jpm.v13i1.24573

Kasih, D. (2022). Peran Koperasi Unit Desa dalam Pemberdayaan Masyarakat di Desa Tanjung Bungong Kecamatan Kaway XVI. At-Tasyri’: Jurnal Ilmiah Prodi Muamalah, 55–63. https://doi.org/10.47498/tasyri.v14i1.916

Kholida, F. N., A’yuni, N. L., & Yekti, A. (2024). The Influence of Customer Relationship Management (CRM) on Customer Loyalty for Azzahra Herbal Products in PT Naturindo Surya Niaga. Jurnal Agrisistem: Seri Sosek Dan Penyuluhan, 20(2), 92–100. https://doi.org/10.52625/j-agr-sosekpenyuluhan.v20i2.407

Kholidah, N., Rosanti, C., & Hudaya, F. (2024). Analisis Perilaku Keuangan Masyarakat dalam Konteks Pinjaman Rentenir: Perspektif Ekonomi Syariah. Neraca, 20(1), 12–26. https://doi.org/10.48144/neraca.v20i1.1845

Muriyati, L. E., Euriga, E., & Munanto, T. S. (2023). Minat Anggota Kelompok Tani terhadap Pemanfaatan Limbah Organik sebagai Pupuk Kompos di Kelurahan Prenggan Kemantren Kotagede Kota Yogyakarta, D.I. Yogyakarta. Jurnal Ilmu-Ilmu Pertanian, 30(2), 56–62. https://doi.org/10.55259/jiip.v30i2.25

Nazmi, K., Is, F., & Pulungan, J. J. (2025). Analisis Prinsip Hutang Piutang Menurut Hadis dan Versi Pinjaman Online. Private Law, 5(1), 1–16. https://doi.org/10.29303/prlw.v5i1.6267

Ningsih, N. A., Munthe, M., & Chandra, A. (2021). Tingkat Pengetahuan Masyarakat Tentang Riba terhadap Perilaku Hutang Piutang di Desa Salo Kecamatan Salo. Syarikat: Jurnal Rumpun Ekonomi Syariah, 4(1), 30–36. https://doi.org/10.25299/syarikat.2021.vol4(1).8472

Notoatmodjo, S. (2015). Promosi Kesehatan dan Perilaku Kesehatan. Rhineka Cipta.

Nurlaela, S., Hariadi, S. S., & Raya, A. B. (2020). The Role of Young Farmers Group in New Media Utilisation for Young Horticultural Agripreneurs in Yogyakarta Special Region Indonesia. Humanities & Social Sciences Reviews, 8(3), 518–526. https://doi.org/10.18510/hssr.2020.8356

OJK. (2025, September 9). UMKM Mendunia: Strategi Peningkatan Skala Bisnis Menembus Pasar Nasional dan Internasional. OJK Institute. https://institute.ojk.go.id/ojk-institute/id/capacitybuilding/upcoming/4941/umkm-mendunia-strategi-peningkatan-skala-bisnis-menembus-pasar-nasional-dan-internasional

Paat, N. N. E., Mikhael, & Womsiwor, I. (2024). Perilaku Rasional Moral Petani Arfak di Mokwam Area Distrik Mokwam Kabupaten Manokwari. Prosiding Seminar Nasional Pembangunan Dan Pendidikan Vokasi Pertanian, 267–281. https://doi.org/10.47687/snppvp.v5i1.1112

Prayetno, S., Permadi, H., & Sarikusumaningtyas, W. (2022). Pengaruh Kompetensi terhadap Kinerja Superior Advokat pada Kantor Hukum. Media Bina Ilmiah, 17(3), 537–548. https://doi.org/10.33578/mbi.v17i3.162

Rismah, & Hasriana. (2021). Pengetahuan Masyarakat tentang Riba terhadap Perilaku Utang Piutang di Kabupaten Takalar. Ad-Dariyah: Jurnal Dialektika, Sosial Dan Budaya, 2(1), 25–40. https://doi.org/10.55623/ad.v2i1.58

Sudrajat, B., Yasin, R., Wigiyanti, & Marlvasha, L. S. (2024). Peran Tradisi Gotong Royong dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat di Desa Karangpucung dalam Perspektif Ekonomi Islam. At-Thariq: Jurnal Studi Islam Dan Budaya, 4(02), 41–55. https://jurnal.insima.ac.id/index.php/trq/article/view/127

Wardani, G. P., Euriga, E., & Prayoga, A. (2025). Faktor-Faktor yang Memengaruhi Keberlanjutan Usahatani Blacksapote (Diospyros digyna) di Kampung Buah Karangmojo. Agri-Sosioekonomi, 21(2). https://doi.org/10.35791/agrsosek.v21i2.61988

Wicaksono, K. W., & Lesnusa, C. E. Y. (2022). Manajemen Proses Pengelolaan Sampah oleh Perusahaan Daerah Kebersihan Kota Bandung: Studi Kasus di Pasar Kordon. Kebijakan: Jurnal Ilmu Administrasi, 13(2), 84–94. https://doi.org/10.23969/kebijakan.v13i2.5162

Yantika, M. S., Euriga, E., & Tustiyani, I. (2025). Faktor-Faktor yang Memengaruhi Keberlanjutan Adopsi Drip Irrigation Petani Bawang Merah Pesisir Pantai Bantul. Jurnal Pertanian Cemara, 22(1), 48–61. https://doi.org/10.24929/fp.v22i1.4274

Yudantari, A., & Andarwati, A. (2023). Pengaruh Reward dan Punishment terhadap Kinerja Karyawan. Jurnal Kewirausahaan Dan Inovasi, 2(3), 748–761. https://doi.org/10.21776/jki.2023.02.3.11

Yuliana, S., Suhel, S., & Bashir, A. (2017). Comparative Analysis of Profit Sharing Financing Between Islamic Banks (BUS) and Rakyat Sharia Financing Bank (BPRS) in Indonesia. International Journal of Economics and Financial Issues, 7(2), 266–270. https://www.econjournals.com/index.php/ijefi/article/view/4137

Yuniasih, A. W., Al Ghoza, H. A., Antyaningrum, R., Rahma, S. A., Istiqomah, W., & A’yuni, N. R. L. (2024). Pengaruh Motivasi dan Lingkungan Kampus terhadap Minat Berwirausaha Mahasiswa Pertanian di Polbangtan Yogyakarta Magelang. JIA (Jurnal Ilmiah Agribisnis): Jurnal Agribisnis Dan Ilmu Sosial Ekonomi Pertanian, 9(4), 317–326. https://doi.org/10.37149/jia.v9i4.1292