Analysis of the Influence of Religiosity, Loyalty and Murabahah Margin on Interest in Murabahah Contract Financing at BMT Mass

Abu Bakar Akbar

Authors

Abu Bakar Akbar School of Economics Swasta Mandiri, Indonesia

Keywords:

Murabahah, religiosity, loyalty, murabahah margin

Abstract

This research aims to determine the influence of religiosity, loyalty and murabahah margin on interest in financing murabahah contracts at BMT Mass. This research uses a quantitative approach with a population of BMT Mass members or customers who have murabahah financing, a sample of 61 was taken using the Slovin formula and the sampling technique used random sampling. Data analysis uses multiple linear regression models. The results of this research partially show that the religiosity variable has a significant effect on interest in financing but does not have a positive effect on interest in financing. The loyalty variable does not have a significant effect on interest in financing but has a positive effect on interest in financing. The murabahah margin variable does not have a significant effect on interest in financing but has a positive effect on interest in financing. Meanwhile, religiosity, loyalty and murabahah margin can simultaneously influence 60.7% of interest in financing murabahah contracts at BMT Mass.

Downloads

Download data is not yet available.

References

Antonio, M. S. (2001). Bank Syariah dari Teori ke Praktek. Jakarta. Gema Insani

Chaplin, J.P. (1995). Kamus Lengkap Psikologi. Yogyakarta. PT Raja Grafika Pustaka

Ghozali, M. (2021).Faktor Kualitas Pelayanan, Kualitas Produk, dan Margin Terhadap Minat Nasabah Pembiayaan Murabahah di Bank Syariah. Skripsi. Bandar Lampung: Program Perbankan Syariah Institut Agama Islam Negeri Ponorogo

Iska, S. (2014). Sistem Perbankan Syariah Di Indonesia. Cetakan ke dua. Yogyakarta. Fajar Media Press

Maisaroh, S. (2017). Pengaruh Tingkat Margin dan Kualitas Pelayanan Terhadap Minat Nasabah Pada Pembiayaan Murabahah. Skripsi. Universitas Islam Negeri Raden Fatah

Mashuri. (2020). Analisis Dimensi Loyalitas Pelanggan Berdasarkan Perspektif Islam. Iqtishaduna : Jurnal Ilmiah Ekonomi Kita. Vol 9 No 1

Muhammad. (2018). Manajemen Dana Bank Syariah. Jakarta. Rajawali Press

Nafik, M., & Rofiul, W. (2018). Manajemen Bank Islam. Cetakan ke satu. Yogyakarta. UAD Press

Rabbani, F. M., & Nawirah, N. N. (2018). Determinan Margin Keuntungan Produk Pembiayaan Murabahah. EL DINAR: Jurnal Keuangan dan Perbankan Syariah, 6(2), 112-127.

Ristanti, I. (2021). Pengaruh Pengetahuan, Persepsi, dan Margin Terhadap Minat Pembiayaan Di BMT Nurul Ummah (NU) Ngasem Cabang Ngraho Bojonegoro. Jurnal Dimasejati. Institut Agama Islam Negeri Syech Nurjati Cirebon

Roni, M. (2018). Pengaruh Harga dan Promosi Terhadap Keputusan Pembelian Pada PT. Panca Patriot Prima Sidoarjo Dengan Minat Beli Konsumen Sebagai Variabel Intervening (Doctoral dissertation, STIE Mahardhika Surabaya).

Sugiyono. (2015). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Cetakan ke dua puluh dua. Bandung. Alfabeta

Tarvi, A & Sartiyah. (2019). Pengaruh Promosi, Kepercayaan, Dan Religiusitas Terhadap Persepsi Masyarakat Pembiayaan Murabahah Di Kota Banda Aceh. Jurnal Ilmiah Ekonomi Islam. Vol 1, No 4

Tjiptono, F. (2012). Manajemen Jasa. Yogyakarta: Penerbit Andi