ANALISIS PENGARUH PROFIT MARGIN, TIME PERIOD, DAN FLEKSIBILITY TERHADAP KEPUTUSAN ANGGOTA DALAM PENGAJUAN PEMBIAYAAN DI BMT BIF KC TAJEM SLEMAN YOGYAKARTA

DEVI SURYO RATRI, NIM. 13820163 (2017) ANALISIS PENGARUH PROFIT MARGIN, TIME PERIOD, DAN FLEKSIBILITY TERHADAP KEPUTUSAN ANGGOTA DALAM PENGAJUAN PEMBIAYAAN DI BMT BIF KC TAJEM SLEMAN YOGYAKARTA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Micro Small Medium Entrepises (UMKM) has a role for the process of equalization and enhancement income in Indonesia. UMKM sector in our society is not far away from the trade sector in the traditional market. But most traders face capital constraints and limited access to formal financial institutions. BMT Bina Ihsanul Fikri is one of the non-formal financial institutions based Islamic micro can be a solution to the capital constraints of UMKM. Murabaha financing which fulfillment of working capital aims to advance and increase the power of UMKM. This research aims to identify and explain how the influence of the profit margin, time period, and flexibility on the decision interest of UMKM to make finance filings in BMT Bina Ihsanul Fikri Tajem branch Sleman, Yogyakarta. All members of BMT BIF which is also the trader in the market of Stan Maguwoharjo are the population in this research. The sample of this research was taken using the nonprobability sampling technique with purposive sampling method. The data collecting technique is the primary data obtained from the questionnaire and survey methods. The data analysis technique is multiple linear regression analysis techniques using SPSS 23,00 program. Based on the results of research with analysis of the partial test (t) time period on the decision showed a significance value of 0,042 < 0.05 and t hitung (1.734)) > t tabel (1.67722). This means that the time period has significant positive effect on the interest of filing financing. Likewise with the flexibility variable has a significance value of 0.001 < 0.05 and t hitung (3.616) > t tabel (1.67722). This means that the flexibility has significant positive effect on the decision of filing financing. As for margins, it obtained significance value 0.487 > 0.05 and t hitung (0,700) < t tabel (1.67722). This means that the margins do not have significant positive effect on the decision of filing financing.

Item Type: Thesis (Skripsi)
Additional Information / Pembimbing: A. Yusuf Khoiruddin, S.E., M.Si.
Uncontrolled Keywords: Murabaha financing, profit margin, time period, flexibility, and decision
Subjects: Perbankan Syariah
Divisions: Fakultas Ekonomi dan Bisnis Islam > Perbankan Syari'ah (S1)
Depositing User / Editor: Sugeng Hariyanto, SIP (sugeng.hariyanto@uin-suka.ac.id)
Date Deposited: 11 Oct 2017 15:45
Last Modified: 11 Oct 2017 15:45
URI: http://digilib.uin-suka.ac.id/id/eprint/27298

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