THE EFFECT OF CUSTOMERS’ INCOME, BUSINESS CAPITAL, MARGIN AND COLLATERAL VALUE ON MURABAHAH FINANCING DEMAND AT BANK BNI SYARIAH MIKRO KANTOR CABANG PEMBANTU PRAYA.

Abstract

Abstract. The Effect of Customers’ Income, Business Capital, Margin and Collateral Value on Murabahah Financing Demand at Bank BNI Syariah Mikro Kantor Cabang Pembantu Praya. The study was objective to analyzed effect of customers’ income, business capital, margin and collateral value on murabaha financing demand at Bank BNI Syariah Mikro Kantor Cabang Pembantu Praya. Type of research was explanation study with quantitative approach. Population of the study is customers’ entire murabaha product. Sampling method applied non probability sampling. Data was collected by means of observation, interview, and questionnaire sheets. Data was analyzed via OLS multiple regression. Hypothesis testing are held two methods namely partial test (t-test) to examine effect of each independents variables individually and overall test (F-test) to examine effect of all independent variables simultaneously. Result of the study indicated that income and margin has significant effect on murabaha demand with t-stat is larger than tα, respectively. In the other hand, both business capital and collateral value has no significant effect on its demand, these variable indicated t-stat less than tα. Simultaneously these independent variables on murabaha demand have significant effect. Abstrak. Pengaruh Pendapatan Pelanggan, Modal Bisnis, Margin, Dan Nilai Collateral Terhadap Pembiayaan Murabahah Pada Bank Bni Syariah Mikro Kantor Cabang Pembantu Praya. Penelitian ini bertujuan untuk menganalisis pengaruh pendapatan nasabah, modal, margin pembiayaan serta nilai jaminan terhadap permintaan pembiayaan murabahah pada Bank BNI Syariah Mikro Kantor Cabang Pembantu Praya. Jenis penelitian adalah penelitian eksplanasi dengan menggunakan pendekatan kuantitatif. Populasi dalam penelitian adalah semua nasabah pembiayaan produk murabahah di Bank BNI Syariah KCP Praya. Sampel penelitian menggunakan non probability. Pengumpulan data menggunakan teknik observasi dan wawancara. Pengumpulan data dengan menggunakan kuisioner (angket). Analisis data menggunakan teknik analisis regresi linear berganda. Secara parsial pendapatan nasabah dan margin pembiayaan berpengaruh signifikan terhadap permintaan pembiayaan murabahah pada Bank BNI Syariah Mikro Cabang Pembantu Praya. Sedangkan modal dan nilai jaminan tidak berpengaruh signifikan terhadap permintaan pembiayaan murabahah pada Bank BNI Syariah Mikro Cabang Pembantu Praya. Secara simultan pendapatan nasabah, margin pembiayaan, modal, dan nilai jaminan tidak berpengaruh signifikan terhadap permintaan pembiayaan murabahah pada Bank BNI Syariah Mikro Cabang Pembantu Praya.

Keywords

• income, capital, margin, collateral and murabaha