MINAT MASYARAKAT DESA TERHADAP JASA KOPERASI SYARIAH: PERAN LITERASI DAN KENYAMANAN

Muhammad Muflih, M. Edman Syarief, Fifi Afiyanti, Iwan Setiawan, Diharpi Herli Setyowati

Abstract


Riset ini bertujuan untuk mengestimasi pengaruh literasi terhadap minat masyarakat desa menggunakan jasa koperasi syariah baik secara langsung maupun melalui peran mediasi kenyamanan. Riset ini mengobservasi persepsi peserta pelatihan akad-akad koperasi syariah di Desa Kersamenak. Dengan mengunakan metode SEM-PLS, riset ini menguji kebenaran model dan hipotesis. Hasil estimasi membuktikan bahwa literasi mempengaruhi minat masyarakat desa terhadap jasa koperasi syariah secara langsung dan melalui perantara kenyamanan. Pandangan ini mampu memperbaharui teori minat publik terhadap jasa koperasi syariah. Riset ini menyarankan pentingnya koperasi syariah bekerjasama dengan lembaga pendidikan formal dan informal desa dalam pengembangan literasi koperasi syariah bagi masyarakat desa.

 

Kata kunci: Literasi, Kebutuhan ekonomi, Kenyamanan, Minat terhadap Jasa Koperasi Syariah


This research aims to estimate the effect of literacy of rural communities on the intention towards the financial services of Islamic cooperative institution both directly and through the mediating role of convenience. This research observes the opinion of participants of Sharia cooperative contract training in Kersamenak Village. By using the SEM-PLS method, this research examines the goodness of the model and hypothesis. This research proves that literacy affects the intention towards the services of Islamic cooperative directly and through the mediation role of convenience. This view renews the theory of public interest in the services of Islamic cooperative. This research suggests the importance of Islamic cooperative in collaboration with formal and informal education institutions in the development of Islamic cooperative literacy for rural communities.

 

Key words: Literacy, Economic needs, Satisfaction, Intention toward Islamic coperation service



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