Peningkatan Pengalaman Keuangan Remaja untuk Literasi Keuangan Syariah yang Lebih Baik

(1)

! " # ! !"# $ %% & ' ((( ) * + ' + & & + + + ' + & + + + , ' & ' + -+ + . ' + / ' + ' + + 0 ' + + + + + ' " #$ % & & / & $ " # " %& ' (" ) * + , - . " -! - / # # ! / %0 0 - 0 1 & ' 2 ) 3* + 4 / 56 /# ! / 7 5 " ! - / # # ! / %& (" ' 0 ) )* + 4 /! / 7 87 5 # ( / - " " " ( 8 9 " / 3 )) %4 4 (: ' : # ) 3* + # " ! ; # % ) 8* " 7 ! - / / -/ 3 <6 + " # " / / # " , ' % ) * ! " 7 3 = # / 3 )6 $ 7 / ( " # / # ! " / " -4 7 " / # > # " / " / # " ? " # " @ A ; %@A;* # / " " # " B / " $ / / /

(2)

$ / / $ & ; $ " ) ) 8 " ' ! ( ) ( * $ +" $ , & ; 936 < 886 9 6 ; C< 536 85 9 6 )86 / , & ; ) 8 %@A; ) 8/* 4 ! 7 " # @A; # @A; " ) / 9))) " / 936 # " ) 8 " / < 886 %@A; ) 8/* ! " # / " / # < 89) # / 3 83 / # # " -/ 9 6 / 6 # " / 7 / # " # " # / " / # " ! / "- # " # " ( / " ( " = = = ! # " 7 " ! " / %' * / # " 8)6 " 8)6 5<6 ! / " 9)6 ! - / " # # ! / %0" ' D <<9 " )<* " / ! / ! " / %' * ! @A; / # / - - " ! / ! - = 3 " $ / / / $ / ; $ & ; ; ) _" 4 _{; #}# _; 1 936 E E E 5C 8<6 E E 7 2 )86 E 7 7 3 ) 3 6 7 7 7 / %@A; ) 5 * # ( / / = # " B ! / # " = " # / # # " # # / " " # / ! %4"# ) 9* / # " ( / / / # " ( 7 # /

(3)

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

(4)

/ 7 ! ! # " " ! # / %F " ) C* # " / / "-/ ! %,#" ) * / " %? ! ) 3* ! ! - / / "- # / / / # ( %F " ) C* ! ! / / # / / " %F " ) CG & ) )G ))9G / (+ B ' ) )G " ))<* ! ? ! % ) 3* - . " " ' " " # " " # / " & = / %4" ) )* H = I %0 ))8* ( @A; = / H " # # " / ( ! " I %@A; ) 8 * + = " # ( " ! # / / " ! %: > ) C* / # " / / = # / # ! # ( / ( " / # / %? &# (" ' , # ) 3G J ' 4 ) G J = 7B # ) )* %? ) 3* " %J " ' , " # ) 5* %4 ' # ) * " % ( ' ( ) G & ) CG & ) )* " %J # ) * / / # / " % " A F / & ' ; ) * + = ! / 7 / # / # # / # " = = %4 ' # ) G " ) G J = 7B # ) )* %? ) 3G K >> $ = F" ' 4 ) 5* ( %? ) 3* %& ) C* ( ! " %4 ' # ) G & ) CG J ' 4 ) * + = " / / # " " + / / " " " # " = = " ( # / # / ! = = ( ! " %4 ' # ) G ( ' ( ) G & ) CG K >> ) 5G J ' 4 ) G J # ) G J = 7B # ) )* & = " " ! " = + =

(5)

-= / H= I H= I %, ' ) * ? / " # / ( " # = / %4 ' # ) G $" ) C* %F " ; - / ' " == ) CG / (+ B ' ) )* = %4 ' # ) * ? 7= # / = # %0 ))8G F " ) CG & ) )G " ? 1 ' 0 ))5G / ) )G $ " ) CG J # ) * # / %4 " ) G B D ' . ) CG ))<* % (" ' & ) C ) C* = %& ' (" ) * / / / " " # / " 0" ' D % <<9* # ! / 3 # % * + - ' + & # " " / / " " / G % * + ' +& # " # / / ! G % * & # " 7 # G %3* & # " / # / " " ! & ' (" % ) )* / " # / = = %& ' ("

) )G & ))9G D : ! ))5G & ))8 & ) * ! #

/ + 4 . 5 6 %@ 0+* ! / "- / # " % - ' +* % * % * ; # / " / # " # / %4 ' # ) * + = 7= # / " $ " >> % K >> ) 5* 7 ! # ! / / (+ B ' % ) )* / " ! / / ( ! " & (" ' 0 % ) )* ! ( / / # = # F " % ) C* / " / " / ! " " ' , & # " # " = / / " " " = # " / # / ! = = # " B " / 7 % - , 4

(6)

-. ' # ) 9* ; # " (" % ) 5 " <5* / / 3 # # # % * # / # " " / / ! / 7 " G % * # / # " / " # ! ! / " # / " G % * # / "- / # " / # ( / / / " " # G %3* # / "- / # " / 8 / / / # " # # ( " / " " " % / # / ( / - "# 4 7L " / # 9 % ) 5 " 8M )* / " # ! / / " / # " / " %/ " " * 9 % - ! * - % * %! / ( ( * / % ! / ! * ' % * 4 # / " # " ! : > 4/ " % ) C* ! # % / * ( % = / / # "* > - " - # " / %- = "* ! # - ! / # " > # " / - ! # ! 7 # % - ) 9* 0 " / "-/ = / # / % - ) 9* ! / ! ! / # " / ! # " ( A / ! ( ! " " # " ! # / " # ! # " " % ) 5 " * / 4 " J$ / = : * - 4 - + - # 9 + - - -+ - - ; < 7= / >(?@A%# :1 & * - - # + - + -9 + - + - +- 7 +- ++ & + + ; < 7= / >(?@()B# :1 +7 + + C ! + - + - + - + - - 9 + - ++ -- +7 + + ; < 7* >B?@ )#

(7)

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

(8)

/ ( " / ( # " % - ) 9* " ' / " ' " / / " " ! / # / ! # / "- " " " 4 / / " " / /! 7 /! # # " + # " + / " / # " % ! / # * ? ! % ) 3* " ( + + + = % <9< " * " / " / / / " ; / ! ! # = # /! = # # / / # " / / # # 4 # / / / # + = " ' + * + ! ! - ' + % (" # ' 4 # <88* - ' + ! / " # " ( 7 %, )))* " ( " / " " ! " / ! 0 % 4 & 4 & 4 * %, )))* / / - ' + % " 7 * - ' + % = # " = * / " ! # = / % # ? ! ) 3G F " ) CG / ) )* % ) 5* = # ! # (" % <<<* / "-- / # ! / / / ! ! ( / " / = - / / " " # %? ! ) 3* " # / " / %F " ) CG F " ' " == ) CG " / 0 O ' ) )* B / / / / " / # / ! / # / " / " / " / ( ! / ! / / % ) 5*

(9)

0 ; = 7 = " / "- / / - # = # / B / / " ' + * + ( " 7 # " ! # / - = # / ! - / " # @ / / " / ! / J / # ' ,#" % ))8* ! / " B ! / # " " + # # J / # ' ,#" % ))8* ! / "- % # " 7 * " 7 J / # ' ,#" % ))8* / # % * G % * G % * " # ! / "- " = / # / "-/ " " - B # ! / "-% " 7" 7 * % * # " ! - J / # ' ,#" % ))8* + / # J / # ' ,#" % ) * # " / - " 4 # / / # % * / % * ! " % * / ! %3* 4 # = = ! J / # ' ,#" % ) * ! / / # % * " ! " / G % * = / " 7" G % * ( % * % ! "* " / % * / ! % ! 7 * ! / %3* / # / # / # ( " # " / # " / ! # G %C* / % / / * " % ) )* / ! / ! / / ! = = % " / ! * - # / " # / ! " / ! /

(10)

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

(11)

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

(12)

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

0 & - ( ? &# 4 > ; & A & ' (" ;

% ))8* 0 ? ( & (# J" $" # ; - J" J , & D + . . G * + %(%<* )8M )< ? + &# (" A F ' , # : F % ) 3* ? ( & (# ? ( ( + - ? ( " * + A%%9* 98 M 99 ? % ) 9* / / ! H " - " # KK /

(13)

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

(14)

D +- 2 6 - " + 6 - ! " + = + " M * - $ " --- ! %+ C ) <* @ A ; % ) 5(* $ # " $ " --- ! %+ C ) <* @ A ; % ) 8/* 3 2 6 - " + (% A $ " --- ! %+ C ) <* @ A ; % ) 5 * & ; $ " --- ! %+ C ) <* @ A ; % ) 5/* : / ; # " ) 57 ) < $ " --- ! %+ C ) <* $ 70 " ? 1 A A ' 0 F % ))5* $" ( = ? ( ( + B " (" 0 0 ! . ( % * 8CM 93 : > & 4 % ) C* . G 2 = 6 / ? (+ B $ ; ' A % ) )* 0" " 0 1 ( " ? ( & (# = 0 # 5 G ! J %3* 3CCM385 ! B 4 " 4 : ' : % ) 9* 2 " + = + - + " D ' " ( 6 , - = +# (% * - : , : 4 - ' # + % ) 9* 2 @ 5 D N )%3* " / & 0 , 4 O A A ' A % ) )* ? ( ( > = ? 7# 0 $" : = J ( ! I JE% * 3C5M 35) " 7B A 7B F / A & ' ; % ) * 4 ( K ? ( & % ) 5* " ? ( & (# ? ( 1 ( $ " ( , + ; ! D + 3 + # (% * 8 M53 $ (" / ? ( + ( (" 5 4 & . . % * ) M $" % ) C* ? ( (# , 4 # # = ( 3G= . G ' ()% * 3<M53 $ " 0 A 0 + ? / ; (" & 4 J 0 ' & % ) C* 2 " ? ( & (# 4 : - = ; # 0 + # " ! . JA% * 85M < J 0 ; ' 4 ? % ) * ? ( & (# $" 0 = J / # ' ,#" ; % ) * ( ( ( > 4 2 4 . . G ' JJ <M ) J / # ' ,#" ; % ))8* K = ( 0" K ? @ ! . D + ()% * 3)M 83 J # % ) * - 7 - I + * + 2 * ' - .- 6 = H = ' 9 J " B ' , " # % ) 5* & ; + ; " - !G" J% * )M J = 7B # 4 % ) )* ? ( (# ( 4 ( O 2 G ' K(% * )CM )