The Influence Of Internal And External Factors On Members' Decisions In Taking Murabaha Financing
Murabaha financing is the most common type at BMT Ash-Shaff Pringgarata because it is prioritized over other financings. Two factors can influence members' decisions in taking Murabaha financing: internal factors, including perception, motivation, and personality, and external factors, includin...
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| Format: | Article |
| Language: | English |
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PPPM Sekolah Tinggi Ilmu Ekonomi (STIE) Syariah Bengkalis
2023-04-01
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| Series: | Jurnal Perbankan Syariah |
| Subjects: | |
| Online Access: | https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/1030 |
| _version_ | 1797845696122978304 |
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| author | Denisa Hadiani Suharti Suharti Nur’aeda Nur’aeda |
| author_facet | Denisa Hadiani Suharti Suharti Nur’aeda Nur’aeda |
| author_sort | Denisa Hadiani |
| collection | DOAJ |
| description | Murabaha financing is the most common type at BMT Ash-Shaff Pringgarata because it is prioritized over other financings. Two factors can influence members' decisions in taking Murabaha financing: internal factors, including perception, motivation, and personality, and external factors, including culture and social class. This study aims to show the influence of internal and external factors on members' decisions in taking Murabaha financing at BMT Ash-Shaff Pringgarata. This type of research is associative quantitative. The data source used is primary data using a questionnaire collecting data. The population of this study is members who receive Murabaha financing for the 2017-2021 period, totalling 2351 people. The sample measurement uses the Slovin formula, with a sample of 100 people using the incidental sampling technique. The data analysis technique used multiple linear regression tests using the IBM SPSS program version 25. The results showed that internal and external factors partially or simultaneously influenced members' decisions to take Murabaha financing at BMT Ash-Shaff Pringgarata. This research can complement existing theory and be a reference for BMTs to evaluate the strategies used to attract members to take up financing. |
| first_indexed | 2024-04-09T17:43:11Z |
| format | Article |
| id | doaj.art-cc8e124f7b614e70b91ea7691f8ca65e |
| institution | Directory Open Access Journal |
| issn | 2721-6241 2721-7094 |
| language | English |
| last_indexed | 2024-04-09T17:43:11Z |
| publishDate | 2023-04-01 |
| publisher | PPPM Sekolah Tinggi Ilmu Ekonomi (STIE) Syariah Bengkalis |
| record_format | Article |
| series | Jurnal Perbankan Syariah |
| spelling | doaj.art-cc8e124f7b614e70b91ea7691f8ca65e2023-04-17T01:56:05ZengPPPM Sekolah Tinggi Ilmu Ekonomi (STIE) Syariah BengkalisJurnal Perbankan Syariah2721-62412721-70942023-04-0141516210.46367/jps.v4i1.10301030The Influence Of Internal And External Factors On Members' Decisions In Taking Murabaha FinancingDenisa Hadiani0Suharti Suharti1Nur’aeda Nur’aeda2Universitas Islam Negeri Mataram, Nusa Tenggara Barat, IndonesiaUniversitas Islam Negeri Mataram, Nusa Tenggara Barat, IndonesiaUniversitas Islam Negeri Mataram, Nusa Tenggara Barat, IndonesiaMurabaha financing is the most common type at BMT Ash-Shaff Pringgarata because it is prioritized over other financings. Two factors can influence members' decisions in taking Murabaha financing: internal factors, including perception, motivation, and personality, and external factors, including culture and social class. This study aims to show the influence of internal and external factors on members' decisions in taking Murabaha financing at BMT Ash-Shaff Pringgarata. This type of research is associative quantitative. The data source used is primary data using a questionnaire collecting data. The population of this study is members who receive Murabaha financing for the 2017-2021 period, totalling 2351 people. The sample measurement uses the Slovin formula, with a sample of 100 people using the incidental sampling technique. The data analysis technique used multiple linear regression tests using the IBM SPSS program version 25. The results showed that internal and external factors partially or simultaneously influenced members' decisions to take Murabaha financing at BMT Ash-Shaff Pringgarata. This research can complement existing theory and be a reference for BMTs to evaluate the strategies used to attract members to take up financing.https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/1030internal factorsexternal factorsdecisionsmurabaha financing |
| spellingShingle | Denisa Hadiani Suharti Suharti Nur’aeda Nur’aeda The Influence Of Internal And External Factors On Members' Decisions In Taking Murabaha Financing Jurnal Perbankan Syariah internal factors external factors decisions murabaha financing |
| title | The Influence Of Internal And External Factors On Members' Decisions In Taking Murabaha Financing |
| title_full | The Influence Of Internal And External Factors On Members' Decisions In Taking Murabaha Financing |
| title_fullStr | The Influence Of Internal And External Factors On Members' Decisions In Taking Murabaha Financing |
| title_full_unstemmed | The Influence Of Internal And External Factors On Members' Decisions In Taking Murabaha Financing |
| title_short | The Influence Of Internal And External Factors On Members' Decisions In Taking Murabaha Financing |
| title_sort | influence of internal and external factors on members decisions in taking murabaha financing |
| topic | internal factors external factors decisions murabaha financing |
| url | https://ejournal.stiesyariahbengkalis.ac.id/index.php/jps/article/view/1030 |
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