Persepsi Nasabah Tentang Pembiayaan Murabahah dan Implikasinya Terhadap Minat Beli Bank Syariah Indonesia KCP Jombang

Authors

  • Bekti Widyaningsih Universitas KH. A. Wahab Hasbullah Jombang
  • Eka Ayuningtiyas Universitas KH. A. Wahab Hasbullah Jombang

DOI:

https://doi.org/10.32764/joems.v5i4.720

Keywords:

Perception, Murabahah, Islamic Bank

Abstract

This study explores a customer's perception of the implications of murabahah financing on buying interest at Bank Syariah Indonesia KC Jombang. This study aims to describe customer perceptions of the attractiveness of murabahah financing at Bank Syariah Indonesia KC Jombang, explain customer buying interest in murabahah financing at Bank Syariah Indonesia KC Jombang, explain the implications of perceptions of customer attractiveness on interest in buying murabahah financing products at Bank Syariah Indonesia KC. Jombang viewed from the theory of Consumer Behavior (Consumer Behavior. The research analysis used is a qualitative case study approach which is a strategy or method that is powerful enough to examine in depth the case to be studied. The study concluded that customer perceptions related to murabahah financing has several attractions, interest in buying murabahah financing at Indonesian Sharia Bank KC Jombang is quite high due to several internal and external factors, while the implications of customer perceptions of Sharia Bank KC Jombang are viewed from the theory of Consumer Behavior ( Consumer Behavior) related to murabahah financing can generate customer buying interest without any hesitation in deciding to apply for financing.

References

Yusuf, A. M. (2017). Metode Penelitian Kuantitatif, Kualitatif dan Penelitian. Gabungan. Jakarta: KENCANA (https://books. google. co. id/books.

Albana, M. S., & Firmansyah, A. (2021). Implementasi Akuntansi Murabahah Pada Pembiayaan Bsm Oto Di Bank Syariah Mandiri: Apakah Sesuai Dengan Psak 102? Jurnal Ekonomi Syariah Teori dan Terapan, 8(2), 193. https://doi.org/10.20473/vol8iss20212pp193-202

Ali, Z. (2010). Hukum Perbankan Syariah. Jakarta: Sinar Grafika.

Arifin, H. S., Fuady, I., & Kuswarno, E. (2017). Factor Analysis that Effect University Studen Perception in Untirta About Existance of Region. Jurnal Penelitian Komunikasi dan Opini Publik, 21(1), 88–101.

Bariroh, A., & Firmansyah, K. (2020). Upaya Menanggulangi PKL Gagal Bayar Dalam Pembiayaan Menggunakan Akad Rahn Di BMT NUT (Perspektif Basyarnas). JoEMS (Journal of Education and Management Studies), 3(2), 19-26.

Kurniawan, G. (2015). Pengaruh Daya Tarik Produk Dan Merek Terhadap Minat Beli Konsumen. Surabaya: STIE YAPAN.

Muchlis, M. (2021). Persepsi Nasabah Terhadap Bank Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam (JIEI), 7(03), 1793–1798.

Muhammad. (2004). Etika Bisnis Islam. Yogyakarta: Akademi manajemen dan perusahaan YKPN.

Nafi’ah, E. A., Wardani, D. K., & Arivatu Ni’mati Rahmatika, M. E. I. (2021). Strategi Penanganan Pembiayaan Murabahah Bermasalah BMT NU Jombang. Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas KH. A. Wahab Hasbullah.

Presiden Republik Indonesia. (2008). Undang-Undang Republik Indonesia Nomor 21 tahun 2008 Tentang Perbankan Syariah. Jakarta.

Purnomo, E., & Rahmatika, A. N. M. (2022). GIS Development to Become an Income Generating Unit at UNWAHA Jombang. INCOME: Innovation of Economics and Management, 1(3), 67-71.

Rachmatina, R., & Sufriadi, D. (2020). Persepsi Nasabah Terhadap Praktik Produk Pembiayaan Murabahah BNI Syariah Cabang Banda Aceh. Pamator Journal, 13(1), 143–150. https://doi.org/10.21107/pamator.v13i1.6983

Samsu. (2017). Metode penelitian: Teori dan Aplikasi penelitian Kualitatif, kuantitatif, Mixed Methods, serta Research and Development. Jambi: Pusaka.

Wiryanto, F., Sobari, N., & Usman, H. (2018). Pengaruh Attitude, Subjective Norms dan Perceived Behavioral Control terhadap Intensi Kepemilikan Kartu Kredit Syariah. Jurnal Middle East and Islamic Studies, 5(2), 122-143.

Tantri, F. (2013). Manajemen Pemasaran. Jakarta: Rajawali Press.

Downloads

Published

28-08-2022

How to Cite

Widyaningsih, B., & Ayuningtiyas, E. (2022). Persepsi Nasabah Tentang Pembiayaan Murabahah dan Implikasinya Terhadap Minat Beli Bank Syariah Indonesia KCP Jombang. JoEMS (Journal of Education and Management Studies), 5(4), 1–7. https://doi.org/10.32764/joems.v5i4.720

Issue

Section

Articles