Analisis Faktor Yang Mempengaruhi Keputusan Nasabah Terhadap Pilihan Pembiayaan Murabahah Di BMT Al-Ittihad Rumbai Pekanbaru

Kurniawan Saputra, Robby (2022) Analisis Faktor Yang Mempengaruhi Keputusan Nasabah Terhadap Pilihan Pembiayaan Murabahah Di BMT Al-Ittihad Rumbai Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

BMT Al-Ittihad Rumbai was a micro financial institution that was in micro finance non-bank services that provided various murabahah financing product. One of them was a murabahah financing product. Murabahah financing product was more customers than others product. The purpose in this research was analyze the factors influenced of customers’ decision on murabahah financing at BMT Al-Ittihad Rumbai Pekanbaru. This research used descriptive qualitative method. Meanwhile, in data collection technique used observation and field direct interview. The sample took 10 persons. Analysis result was descriptive with thinking inductively. Analysis result concluded that the dominant internal factor influenced customers to choose murabahah financing at BMT Al Ittihad that was personality factor. The reason why dominant with the statement, suitable with the need and the income and had primacy. Meanwhile, dominant external factor influenced customers’ decision to choose murabahah financing at BMT Al-Ittihad that was culture factor that influenced decision with statement because of recommendation from others parties and margin was not big to choose murabahah product at BMT Al-Ittihad Rumbai Pekanbaru.

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