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All Journal MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Achmad Febrianto
University of Nurul Jadid
Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan Syariah dan Kemudahan Akses Layanan terhadap Minat Masyarakat dalam Menggunakan Produk Keuangan di BMT Bungatan Millah Hanifiyyah; Achmad Febrianto
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/g6179e40

Abstract

The development of Islamic finance in Indonesia highlights the importance of Islamic financial literacy and ease of service access in encouraging public interest in using Islamic financial products. A quantitative approach with a causal associative research design was employed in this research. Data were collected through questionnaires using a Likert scale from 104 respondents selected through purposive sampling. Multiple linear regression analysis with SPSS was applied after conducting classical assumption tests. The findings reveal that partially, Islamic financial literacy does not significantly affect public interest in using Islamic financial products, indicated by a significance value of 0.256 (>0.05). In contrast, ease of service access has a positive and significant effect on public interest, with a significance value of 0.000 (<0.05). Simultaneously, both independent variables influence public interest, although ease of service access emerges as the most dominant factor with a beta coefficient value of 0.694. These findings demonstrate that practical, fast, and easily understood service access plays a more influential role in attracting public interest than the level of Islamic financial literacy.
Implementasi Akad Hybrid Contract (Multi Akad) Murabahah Bil Kafalah Di BMT Tanjung: Analisis Kesesuaian terhadap Fatwa DSN-MUI dan Prinsip Fikih Muamalah Rofiatus Zahro; Achmad Febrianto
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/hxd7a905

Abstract

Implementation of hybrid contracts in Islamic microfinance institutions continues to develop as an adaptive financing model capable of accommodating community needs while maintaining compliance with sharia principles. The practice of murabahah bil kafalah financing at BMT Tanjung reflects the integration of sale and guarantee contracts designed to provide safer and more accessible financing, particularly for micro, small, and medium enterprises (MSMEs). This research employed a qualitative case study approach through observation, semi-structured interviews, documentation, and questionnaires involving BMT managers, staff, and customers. Data were analyzed using data reduction, presentation, and verification techniques supported by source triangulation. The findings indicate that the implementation of murabahah bil kafalah generally aligns with DSN-MUI fatwas and fiqh muamalah principles, particularly regarding transparency of margin, determination of principal prices, and the role of kafalah as financing security. The existence of guarantors contributes to reducing financing risks and maintaining institutional profitability stability. Nevertheless, several operational challenges remain, including limited customer understanding of hybrid contracts, insufficient transparency regarding administrative costs, and differences in interpretation among operational staff. Strengthening contract transparency, improving staff competency, and enhancing customer education are necessary to optimize sharia compliance and increase public trust in hybrid financing practices within Islamic microfinance institutions.
Co-Authors Millah Hanifiyyah Rofiatus Zahro