DAFTAR ISI LEMBAR PERNYATAAN ........................................................................... ii REKOMENDASI PEMBIMBING ............................................................... iii NOTA DINAS ................................................................................................. iv HALAMAN PERSEMBAHAN .................................................................... v MOTTO ......................................................................................................... vi ABSTRAK ...................................................................................................... vii ABSTRACT .................................................................................................... viii KATA PENGANTAR .................................................................................... ix PEDOMAN TRANSLITERASI ARAB DAN LATIN ................................ xii DAFTAR ISI ................................................................................................... xxi DAFTAR TABEL .......................................................................................... xxv BAB I
PENDAHULUAN A. Latar Belakang................................................................................. 1 B. Rumusan Masalah ........................................................................... 4 C. Tujuan Penelitian ............................................................................. 5 D. Manfaat Penelitian ........................................................................... 5 E. Kajian Pustaka ................................................................................. 6 F. Hipotesis .......................................................................................... 11 G. Sistematika Penulisan ...................................................................... 11
BAB II
LANDASAN TEORI
A. Teori Tentang Pengetahuan ............................................................. 13 B. Teori Tentang Religiusitas............................................................... 14 1. Pengertian Agama dan Religiusitas ............................................ 14
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2. Aspek-asek dan Karakteristik Ajaran Islam ............................... 16 C. Minat Dalam Membuat Perencanaan Keuangan ............................. 19 D. Teori Tentang Lingkungan Sosial ................................................... 20 E. Perencanaan Keuangan Perspektif Islam ......................................... 22 1. Pengertian Perencanaan Keuangan Perspektif Islam ................. 22 2. Perencanaan Keuangan Bagian dari Maqasyid Syariah ............ 23 3. Kerangka Pengelolaan Keuangan Dalam Islam ......................... 24 4. Memahami Perencanaan Keuangan ........................................... 26 5. Tahapan Proses Perencanaan Keuangan .................................... 28 6. Tujuan Perencanaan Keuangan Perspektif Islam....................... 30 7. Manfaat Perencanaan Keuangan Perspektif Islam ..................... 31 F. Perguruan Tinggi Negeri dan Swasta .............................................. 31 G. Mahasiswa Ekonomi Islam .............................................................. 33 BABIII METODE PENELITIAN A. Jenis Penelitian dan Lokasi Penelitian............................................. 35 B. Definisi Operasional Variabel ......................................................... 35 1. Variabel Dependent .................................................................... 35 2. Variabel Independent .................................................................. 36 C. Skala Pengujian Variabel................................................................. 37 D. Populasi dan Metode Penentuan Sampel ......................................... 37 E. Sumber Data .................................................................................... 38 F. Teknik Pengumpulan Data .............................................................. 39 G. Metode Analisis Data ...................................................................... 39 1. Analisis Deskriptif Kuantitatif .................................................... 39 2. Analisis Uji Mann-Whitney ........................................................ 39 3. Analisis Regresi Linier Berganda ............................................... 40 4. Uji Validitas ................................................................................ 41 5. Uji Reliabilitas ............................................................................ 41 6. Uji Hipotesis ............................................................................... 41
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BAB IV HASIL PENELITIAN DAN ANALISIS A. Gambaran Lokasi Penelitian ............................................................ 43 a. Mahasiswa FIAI Universitas Islam Indonesia .............................. 43 a.
Sejarah Singkat Fakultas Ilmu Agama Islam .......................... 43
b.
Visi Misi dan Tujuan Pendidikan FIAI UII ............................ 45
c.
Program Studi di FIAI UII ...................................................... 46
d.
Program Studi Ekonomi Islam ................................................ 46 1. Dasar Hukum ......................................................................... 46 2. Visi dan Misi Program Studi Ekonomi Islam FIAI UII ......... 47 3. Tujuan Program Studi Ekonomi Islam ................................... 47 4. Keunggulan Prodi Ekonomi Islam ......................................... 48
2 Mahasiswa FSEI Institut Agama Islam Negeri Pontianak........... 48 a. Sejarah Institut Agama Islam Negeri Pontianak ..................... 48 b. Visi Misi dan Tujuan Pendidikan IAIN Pontianak ................. 51 c.
onomi Islam dengan Jurusannya ...... 52
d. Visi dan Misi Program Studi Ekonomi Islam FSEI IAIN ...... 53 B. Hasil Analisis Data .......................................................................... 53 1. AnalisisDeskriptif ....................................................................... 53 a. Jumlah Resonden Secara Keseluruhan ................................... 53 b. Jumlah Responden Berdasarkan Jenis Kelamin ..................... 54 c. Jumlah Responden Berdasarkan Usia ......................................54 2. Hasil Uji Validitas dan Reliabilitas ........................................... 55 a. Uji Validitas .............................................................................55 b. Uji Reliabilitas .........................................................................57 3. Hasil Uji Regresi Linier Berganda..............................................58 4. Hasil Uji Hipotesis ......................................................................61 a. Uji T .........................................................................................61 b. Uji F .........................................................................................64 c. Uji Koefisien Determinasi (
) ...............................................66
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d. Uji Variabel Paling Dominan ..................................................67 5. Hasil Uji Mann-Whitney ............................................................68 C. Pembahasan ......................................................................................70 a. Pengaruh Pengetahuan, Religiusitas, Minat dan Lingkungan Sosial terhadap Perencanaan Keuangan Islam Mahasiswa Ekonomi Islam FIAI UII Yogyakarta ...............................................................70 b. Pengaruh Pengetahuan, Religiusitas, Minat dan Lingkungan Sosial terhadap Perencanaan Keuangan Islam Mahasiswa Ekonomi Islam FSEI IAIN Pontianak ...............................................................72 c. Perbandingan Perencanaan Keuangan Islam Mahasiswa Ekonomi Islam FIAI UII Yogyakarta dan FSEI IAIN Pontianak ...........74 BAB V
PENUTUP
A. Kesimpulan ...................................................................................... 75 B. Saran ................................................................................................ 76 DAFTAR PUSTAKA Daftar Pustaka ...................................................................................... 77 LAMPIRAN
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DAFTAR TABEL Tabel 4.1JumlahRespondenSecaraKeseluruhan ............................................... 54 Tabel 4.1 Jumlah Responden Sesuai Jenis Kelamin ......................................... 54 Tabel 4.3 Jumlah Responden Sesuai Usia ........................................................ 55 Tabel 4.4 Validitas Variabel Pengetahuan ........................................................ 55 Tabel 4.5 Validitas Variabel Religiusitas ......................................................... 56 Tabel 4.6 Validitas Variabel Minat................................................................... 56 Tabel 4.7 Validitas Variabel Lingkungan Sosial .............................................. 56 Tabel 4.8 Validitas Variabel Perencanaan Keuangan Islam ............................ 57 Tabel 4.9 Hasil Uji Reliabilitas FIAI UII ........................................................ 57 Tabel 4.10 Hasil Uji Reliabilitas FSEI IAIN ................................................... 58 Tabel 4.11 Hasil Uji Regresi Linier Berganda FIAI UII ................................. 59 Tabel 4.12 Hasil Uji Regresi Linier Berganda FSEI IAIN ............................... 60 Tabel 4.13 Hasil Uji f Statistik FIAI UII .......................................................... 64 Tabel 4.14 Hasil Uji f Statistik FSEI IAIN ....................................................... 65 Tabel 4.15 Hasil Uji Koefisien Determinasi FIAI UII ..................................... 66 Tabel 4.16 Hasil Uji Koefisien Determinasi FSEI IAIN .................................. 66 Tabel 4.17 Hasil Uji Variabel Paling Dominan FIAI UII................................. 67 Tabel 4.18 Hasil Uji Variabel Paling Dominan FSEI IAIN ............................. 68 Tabel 4.19 Hasil Uji Mann-Whitney ................................................................ 69
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