TINGKAT MARGIN DAN KEMUDAHAN AKSES TERHADAP KEPUTUSAN NASABAH DALAM MENGAMBIL PEMBIAYAAN MURABAHAH: STUDI KASUS PADA BMT AN NAAFI, BOYOLALI

Penulis

  • Hendra Ikhsan Suryanto Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia
  • Amri Syarif Hidayat Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia

Abstrak

Murabahah financing is a leading product offered by Islamic microfinance institutions such as BMT An-Naafi. The margin rate, a key component in calculating financing costs, is a significant concern for customers. This study examines the effects of the margin rate and ease of access on customer decisions regarding murabahah financing at BMT An-Naafi. Employing a quantitative approach with multiple linear regression, the study's population comprises all BMT An-Naafi customers, with a sample of 65 customers who have utilized murabahah financing. The results indicate that competitive margin rates are a primary factor attracting customer interest. While ease of access did not show a statistically significant effect in this study, improvements through digital innovation or procedural simplification are recommended to enhance the overall attractiveness of murabahah financing.

Unduhan

Diterbitkan

2025-03-03

Cara Mengutip

Hendra Ikhsan Suryanto, & Amri Syarif Hidayat. (2025). TINGKAT MARGIN DAN KEMUDAHAN AKSES TERHADAP KEPUTUSAN NASABAH DALAM MENGAMBIL PEMBIAYAAN MURABAHAH: STUDI KASUS PADA BMT AN NAAFI, BOYOLALI. JURNAL ILMIAH EDUNOMIKA, 9(1). Diambil dari https://jurnal.stie-aas.ac.id/index.php/jie/article/view/16653

Terbitan

Vol 9 No 1 (2025): EDUNOMIKA

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