Lecturers’ Perceptions on The Use of Sharia Credit Card
Abstract
The phenomenon of using credit cards for some people is considered a symbol of status and lifestyle.This has an impact on conventional and Islamic financial institutions to compete to create banking card
products that function to attract the attention of potential customers. Therefore, this study aims to analyze
the perception of lecturers in the use of Islamic credit cards. The sample of this research is people who have a
teaching profession at an Islamic University. The research method is qualitative, then the data collection in this study is the
distribution of online questionnaires and literature studies. Then the data is analyzed by interactive model. The results show that
what makes lecturers less interested is that they think conventional and sharia credit cards are the same. Furthermore,
the lack of socialization of Islamic banks in promoting and explaining in detail about Islamic credit cards.
Then, someone who has a teaching profession has the perception that using a sharia credit card will give them financial risk if one
day they fail to pay their bills. The services and facilities provided by Islamic banks are not maximized when compared to conventional
ones.
Downloads
References
Adi Nur Rohman, S. M. (2021). Ekosistem Bisnis Dan Regulasi Fintech Syariah Dalam Perspektif Keamanan Ekonomi. Jawa Tengah: CV. Pena Persada.
Aini, I. (2020). Analisis Perilaku Konsumen Syariah Card. Yurisprudentia: Jurnal Hukum Ekonomi, 248-268. https://doi.org/10.24952/yurisprudentia.v6i2.3413.
Atika Tri Aryani, & Miti Yarmunida, A. O. (2022). Analisis Penetapan Fee (Ujrah) pada Produk Pembiayaan BSI Hasanah Card di PT. Jurnal Ekombis Review – Jurnal Ilmiah Ekonomi dan Bisnis, 9–16. https://doi.org/10.37676/ekombis.v10iS1.1932.
Bakri, Syamsul. (2016). Modernisasi dan Perubahan Sosial dalam Lintasan Sejarah Islam. Jurnal Studi Agama dan Pemikiran Islam 14(2), 76-175. http://dx.doi.org/10.21111/klm.v14i2.611.
Darmadiansyah, E. R. (2019). Pengaruh Karakteristik Nasabah, Pengetahuan Nasabah, Kualitas Pelayanan. Jurnal Bisnis dan Pembangunan, 40-50. http://dx.doi.org/10.20527/jbp.v8i1.7912.
Damayanti Octavia, M. D. (2019). Faktor–Faktor Yang Mempengaruhi Persepsi Konsumen E-payment (Studi Kasus: Pengguna Kartu Kredit dan Debit di Kota Bandung). Jurnal Manajemen Indonesia, 1-9. https://doi.org/10.25124/jmi.v19i1.1980.
Hendarsyah, D. (2020). Analisis Perilaku Konsumen Dan Keamanan Kartu Kredit Perbankan. Jps (Jurnal Perbankan Syariah), 85-96. https://doi.org/10.46367/jps.v1i1.204.
Dharma, B., & Pratiwi, D. C. (2020). Developing Financial Risk Strategy Decisions for Construction Projects from Perspective of the Project Owner. Journal of Management and Business Innovations, 2(1), 12-20.
Dr, S. S. (2015). Dasar Metodologi Penelitian. Yogyakarta: Literasi Media Publishing.
Fatwa Dewan Syariah Nasional No: 54/DSN-MUI/X/2006 Tentang Syariah Card. (2006). 1–12. https://dsnmui.or.id/kategori/fatwa/page/9/.
Febriadi, S. R. (2017). Aplikasi Maqashid Syariah Dalam Bidang Perbankan Syariah. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 1(2), 231–245. https://doi.org/10.29313/amwaluna.v1i2.2585.
Firmanda, H. (2014). Syariâah Card (Kartu Kredit Syariah) Ditinjau Dari Asas Utilitas Dan Maslahah. Jurnal Ilmu Hukum Riau, 4(2), 9163. http://dx.doi.org/10.30652/jih.v4i2.2793.
Huda, M. (2021). Korelasi Penerbitan Kartu Kredit Syariah. SALIMIYA: Jurnal Studi Ilmu Keagamaan Islam, 17-29. https://doi.org/10.2906/salimiya.v2i1.279.
Kholid, M. (2018). Prinsip-Prinsip Hukum Ekonomi Syariah Dalam Undang-Undang. Jurnal Asy-Syari‘Ah , 145-162. https://doi.org/10.15575/as.v20i2.3448.
Kristianti, D. S. (2014). Kartu Kredit Syariah Dan Perilaku Konsumtif Masyarakat. AHKAM : Jurnal Ilmu Syariah, 14(2), 287–296. https://doi.org/10.15408/ajis.v14i2.1287.
Luki Nugroho, L. (2018). Kartu Kredit Syariah (fatih (Ed.)). Rumah Fiqih Publishing.
Mahastanti, L. (2012). Mental Accounting Dan Variabel Demografi : Sebuah Fenomena Pada Penggunaan Kartu Kredit. Kinerja Journal of Business and Economics, 16(2), 89–102. https://doi.org/10.24002/kinerja.v16i2.360.
Miles, M., Huberman, A., & Saldaña, J. (2009). Miles Huberman Data analysis Qualitative Data Analysis A Methods Sourcebook Edition. SAGE.
Mulyadi, M. (2011). Penelitian Kuantitatif Dan Kualitatif Serta Pemikiran Dasar Menggabungkannya . Jurnal Studi Komunikasi Dan Media, 127-138. http://dx.doi.org/10.31445/jskm.2011.150106.
Norman, E. (2020). Syari’ah Card (Kartu Kredit Syariah) Ditinjau dari Maqashid Syari’ah dan Asas Manfaat. Al-Khara : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 2(2), 182–195. https://doi.org/10.47467/alkharaj.v2i2.113.
Nurhadi, N. (2019). Fiqih Rational about Zakat and In Grants Compilation of Sharia Economic Law (KHES). Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 2(1), 74-90. https://doi.org/10.31538/iijse.v2i1.322.
Nurnasrina, S. M. (2018). Manajemen Pembiayaan Bank Syariah. Pekannbaru: Publishing And Printing.
Nurzakka, M. (2021). Fenomena Kartu Kredit dalam Tinjauan Hadis. Living Islam: Journal of Islamic Discourses, 42-60. https://doi.org/10.14421/lijid.v4i1.2675.
Pahmi Nur Utami, A. R. (2018). Pengaruh Persepsi Masyarakat Terhadap Permintaan. Kasaba: Journal Of Islamic Economy, 16-24. http://dx.doi.org/10.32832/kasaba.v11i1.2419.
Putra, N. dan P. A. (2021). Manajemen Pembiayaan Bank Syariah Scanned by CamScanner (M. S. Nurlaili (Ed.); Issue February). Cahaya Firdaus.
Sarwat, Ahmad,Lc., M. (2019). Maqoshid Syari’ah (fatih (Ed.)). Rumah Fiqih Publishing.
Saraswati, A. P. (2020). Bank dan Lembaga Keungan Lainnya. Surabaya: Jakad Media Publishing.
Sugiyono. (2013). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Septiana, Aldila. (2015). Analisis Perilaku Konsumsi dalam Islam. Dinar : Jurnal Ekonomi dan Keuangan Islam 2, no. 1. https://doi.org/10.21107/dinar.v2i1.2688.
Silvia Anisa Dhirima, T. S. (2019). Kajian Penerapan Prinsip Kehati-Hatian Dalampenerbitan Kartu Kredit Pada Bank Syariah. Jurnal Pendidikan Insan Kamil Al Ihya, 30-42.
Wardani, F. A. (2016). Kartu Kredit Syariah dalam Tinjauan Islam. Jurnal Ekonomi Syariah, 1(2), 33–44. https://doi.org/10.35897/iqtishodia.v1i2.63.
Zainuddin, M. (2020). Metodelogi Penelitian Kefarmasian Edisi 2. Airlangga Universty Press.
Copyright (c) 2022 Nadhri Filka, Tuti Anggraini
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
