Analisis Persepsi Masyarakat Terhadap Pembiayaan Musyarakah Ditinjau Dari Literasi Keuangan Syariah Di Kelurahan Kenali Besar Kota Jambi

Abstract

This study aims to analyze public perception—specifically among micro, small, and medium-sized enterprise (MSME) owners in Kenali Besar Village, Jambi City—regarding *musyarakah* (partnership-based) financing, viewed through the lens of Islamic financial literacy. The study employs a qualitative approach with a descriptive method. Data were collected through interviews, observations, and documentation, then analyzed systematically to identify public perceptions, levels of Islamic financial literacy, and the relationship between the two in the context of understanding *musyarakah* financing. The findings indicate that MSME owners generally hold a positive perception of the principles of fairness, partnership, and profit-sharing inherent in *musyarakah* financing. However, their technical understanding of mechanisms such as loss-sharing, the determination of profit-sharing ratios, and financing procedures remains limited. This reveals a gap between the acceptance of Islamic financial values ​​and the practical knowledge required to execute such contracts. Furthermore, inadequate business financial record-keeping and a tendency among MSME owners to prioritize the speed of capital disbursement serve as barriers to accessing *musyarakah* financing. The study concludes that Islamic financial literacy plays a crucial role in shaping how the public understands and evaluates *musyarakah* financing. Therefore, there is a need for practical Islamic financial education, greater transparency regarding contract terms, and assistance with financial record-keeping for MSME owners, ensuring that partnership-based financing can be utilized more effectively.