ANALISIS PENGARUH NILAI SYARIAH DAN BAURAN PEMASARAN TERHADAP PENGAMBILAN KEPUTUSAN MENGGUNAKAN PEMBIAYAAN MURĀBAḤAH PADA BMT BIF

SYAIFUL ISLAM, NIM. 12390008 (2016) ANALISIS PENGARUH NILAI SYARIAH DAN BAURAN PEMASARAN TERHADAP PENGAMBILAN KEPUTUSAN MENGGUNAKAN PEMBIAYAAN MURĀBAḤAH PADA BMT BIF. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Sharia value manages not only human’s behavior but also muamala aspects. Profit sharing system in Islam becomes a choice to avoid the prohibition of riba’. Hence, it makes sharia value to be one of the main factors in selecting customers to use BMT financing products. Besides, the effective implementation of the marketing mix can also provide the decision to choose what financing products which members of BMT should choose. This research was conducted to analyze the influence of syariah values and marketing mix on decisions using murabahah financing at BMT BIF Yogyakarta. The sample in this research is BMT BIF customer in Gamping . The analysis technique used Multiple Linear Regression Analysis using SPSS version 21. One theory in this research is about consumer behavior. The results of this study indicate that in partial test, marketing mix price, people, and process is significant positive effect to decisions using murabahah financing at BMT BIF, but syariah values and marketing mix product is no effect. The results show that BMT which is projected to be first choice to the society is still inferior compared by the domination of convensional banks. Therefore, BMT should make an evaluation not only in the total of members. Socialization has to be practiced by both practitioners and ustads in mosques that face the society directly.

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