THE EFFECT OF MURABAHAH FINANCING ON MEMBER SATISFACTION AT BMT RUKUN ABADI SUMEDANG UTARA

  • Neli Purwanti STAI Sebelas April Sumedang
Keywords: Murabahah Financing, BMT Rukun Abadi Sumedang Utara, Member Satisfaction

Abstract

Murabahah financing is one of the products that is often used by Islamic financial institutions, including at BMT Rukun Abadi Sumedang Utara, whose contract is in accordance with the principles of shari'ah which is supported by other services so that members who will do murabahah financing feel confident and feel confident. satisfied with the BMT Rukun Abadi Sumedang Utara service, but there are also members who are not satisfied after carrying out murabahah financing. Member satisfaction in murabahah financing is a target that must be met by BMT Rukun Abadi Sumedang Utara so that members can do murabahah financing again and inform others that they are satisfied with murabahah financing in BMT Rukun Abadi Sumedang Utara.

The method used in this research is a quantitative method. Determination of the sample using total sampling technique, which is a sampling technique where the number of samples is equal to the population. The reason for taking total sampling is because the total population is less than 100 so that the entire population is used as the research sample. Data collection techniques in this study used questionnaires or questionnaires, interviews, and documentation. Test techniques and data analysis include validity test, reliability test, normality test, simple linear regression, with t test and coefficient of determination (r2) using SPSS version 22. The results of this study are the effect of murabahah financing on member satisfaction.

The conclusion of the research results shows that the murabahah financing variable and member satisfaction have a unidirectional relationship (b=0.260), a moderate level of closeness (r=0.240), and the murabahah financing variable contributes to the member satisfaction variable by 5.8% with very low criteria, then based on the results of hypothesis testing (t test), indicating that the hypothesis (H1) is accepted, meaning that the murabahah financing variable affects member satisfaction variables


Abstract views: 903 | PDF (BAHASA INDONESIA) downloads: 174

Downloads

Download data is not yet available.

References

Andri Soemitra, (2010) Bank & Lembaga Keuangan Syari’ah, Jakarta: Kencana Persada Media Group, cet. II, hal. 449-450
Azwar Saifuddin ,(2010), Metode Penelitian, Yogyakiarta : Pustaka Pelajar, hal. 8
Danang Tri Cahyono, (2014) Pengaruh Marketing Mix Terhadap Keputusan Nasabah Dalam Mengambil Pembiayaan Murabahah Di BMT IKPM Gontor Ponorogo (Ponorogo: STAIN Ponorogo)
Dessica Dinar Sari, (2016) Analisis Pengaruh Kualitas Produk, Kualitas Pelayanan, Dan Harga Terhadap Kepuasan Konsumen (Studi Kasus Pada Konsumen SIM CARD GSM Prabayar XL Di Kota Yogyakarta (Yogyakarta: Universitas Negeri Yogyakarta)
Euis Amalia, (2003) Lembaga Perekonomian Umat Di Dunia Islam, Bandung: Angkasa hal. 84
Hertanto Widodo, (2000) Panduan Operasional BMT, Bandung: Mizan, hal. 81.
Laelatuh Muharomah, (2017) Pengaruh Kualitas Produk Dan Kualitas Pelayanan Terhadap Kepuasan Nasabah Pada Produk Pembiayaan Murabahah Di BMT Natijatul Umat Babadan Ponorogo (Ponorogo: IAIN Ponorogo, 2017)
M. Nur Al Arif, (2010) Dasar-Dasar dan Pemasaran Bank Syariah, Bandung: Avabeta, h. 43.
Muhammad Syafi’I Antonio, (2001) Bank Syariah Dari Teori Ke Praktek, Jakarta: Gema Insani Press, cet.1, hal. 160.
Muhammad Muflih, (2006) Perilaku Kosumen dalam Perspektif Ilmu Ekonomi Islam, Jakarta: Raja Grafindo Persada, hal., 87.
Muhammad Syairozi (2016) Pengaruh Kualitas Pelayanan Dan Kualitas Produk Terhadap Kepuasan Nasabah Dalam Menabung Di LKMS Hubbul Wathon Sumowono Semarang (Semarang: Institut Agama Islam Negeri Salatiga
Novita Dewi Masyitoh, (2014) “Lembaga Keuangan Mikro atas stastus badan hukum BMT” Edisi 2, Semarang: hal. 18.
Nurhayadi, Tutut Dewi Astuti, Endang Sri Utami, M. Budiantara, Dasar-Dasar Statistik Penelitian, Yogyakarta: Sibuku Media, hal. 8
Nurul Huda dan Mohamad Heykal, (2013) Lembaga Keuangan Islam, Jakarta: Kencana, hal. 336
Rahmadi Usma, (2006) Hukum Jaminan Keperdataan, Jakarta:Paragonatama, hal. 66
Rahmat Hidayat, (2015) “Pengaruh Kualitas Layanan, Kualitas Produk dan Nilai Nasabah Terhadap Kepuasan Dan Loyalitas Nasabah Bank Mandiri” (Madura: Universitas Trunojoyo Madura)
Slamet Wiyono,(2005) Akuntansi Perbankan Syariah: Berdasarkan PSAK dan PAPSI, Jakarta: Gramedia Widiasarana Indonesia, hal. 122
Sri Nurhayati, Wasilah, (2015) Akuntansi Syariah Di Indonesia, Jakarta: Salemba Empat, hal. 174
Sugeng Widodo, (2017) Pembiayaan murabahah esensi, aplikasi, akuntansi, permasalahan dan solusi, Yogyakarta :UII Press hal. 30
Sugiono, (2011), metodologi penelitian kuantitatif kualitatif dan R&D.
Sugiyono, (1999), Metode Penulisan Bisnis, Cetakan Pertama, Bandung: Alfabeta, hal.11.
Sugiyono, (2017) Metode Penelitian Kuantitatif, Kualitatif dan R&D, Bandung: Alfabeta, hal. 80
Suharsimi Arikunto, (2013) Prosedur Penulisan Suatu Pendekatan Praktik, Jakarta: Rineka Cipta, hal. 134
Ujang Suwarwan, (2014) Perilaku Konsumen Teori dan Penerapannya dalam Pemasaran, Bogor: Ghalia Indonesia, hal. 387
UU ini diakses pada 22 januari dari http:// www.dpr.go.id/id/ undang undang /2008/ 21/UU/- Perbankan Syariah
Wirdiyaningsih, (2005) Bank dan Ansuransi Islam di Indonesia, Jakarta: Kencana Prenada Media, cet.III, hal. 119
Zainul Arifin, (2005) Dasar – Dasar Mnajemen Bank Syari’ah, Jakarta: Pustaka Alvabet, hal. 200
Zainul Arifin, (2005) Dasar-Dasar Manajemen Bank Syariah, Jakarta: Pustaka Alvabet, hal. 200
Published
2022-12-31
How to Cite
Purwanti, N. (2022). THE EFFECT OF MURABAHAH FINANCING ON MEMBER SATISFACTION AT BMT RUKUN ABADI SUMEDANG UTARA. Al - Mujaddid: Jurnal Ilmu-Ilmu Agama, 4(2), 29-43. https://doi.org/10.51482/almujaddid.v4i2.76