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The Influence of Profit Sharing, Promotion, and Service on Members' Decision-Making in Working Capital Financing at BMT Istiqlal with Company Image as an Intervening Variable Arzaq, Ahmad Yusril; Kholidah, Nur
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8624

Abstract

This research seeks to examine how profit-sharing, promotional activities, and service quality affect decisions regarding working capital financing at BMT Istiqlal Pekalongan, with corporate image as an intervening variable. The background of this study is based on the strategic role of BMT in providing sharia-based financing for business actors, amid challenges to public image and trust due to external conditions in the sharia microfinance industry. The study employs a quantitative method using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) approach on 100 respondents who are financing customers. The analysis findings indicate that profit sharing has a significant positive effect on customer decisions and corporate image; promotion has a positive but insignificant effect on customer decisions and corporate image; service has a negative and insignificant effect on customer decisions, but a significant positive effect on corporate image. Company image was found to have a significant positive effect on customer decisions and significantly mediated the effect of service on customer decisions, but did not mediate the effects of profit sharing or promotion. These findings indicate the importance of strengthening a fair profit-sharing system, providing quality service, and implementing consistent promotional strategies to enhance trust and financing decisions at BMT Istiqlal.
Co-Authors Adelina Maylashofa, Ziyya Aditya Prayoga, Muhammad Aeni, Muftikhatul Agustin Ningrum, Wulan Ahmad Hariz Surya, Pratama Al Mu’ta’zim, M. Tsany Albertus Husein Wawo alya f, nabila Ana Safitri Aprilias Farotin, Yunika Arifiyanto, Muhammad Arum Dwi, Nanda Aryudha, Fikky Arzaq, Ahmad Yusril Atmarini, Resti Aviani, Helmalia Ayesha Nur Salma ayu e, ratna Ayu Enjelita, Ratna azzahra, miftachul Baihaqi, Ammar bidari, Kirana Cholisa Rosanti Damayanti, Frisca dany kurniawan, muhammad Dhiya’ Ulhaq, Naufal Diannur, Meila Dwi Nanda, arum Dwi Utomo, Ananto Edy Purwanto elis, miskiyah Fachry Abda El Rahman fasifka, emi Fatah, Khoirul fizamawati, eka Hakim, Miftahur Rahman Hariz Surya Pratama, Ahmad Hudaya, Fadli ibadiroh m, fitri Ika Maryani Imtikhanah, Sobrotul Indra Gunawan Istiannah, Istiannah K, Hadwitya Handayani khafifi, aisyah Kurniati, Panca Kusniyah, Umul Labib, Achmad Latifah, Ashilatul M. Zen Rahfiluddin, M. Zen Majid, Musfirah mantopani, rizal meza p, Andiyani Mochammad Imron Awalludin Mohammad Zen Rahfiludin mufidah, dina Muh Oktavid Indra, Haikal Muhammad Aditya, Prayoga Muhammad Agus Muhammad Husni Nabil, Umar Nanang Winarno naufal ramadhan, ilham Ningrum, Wulan Agustin Ninik Setyowati nisa'ul fitri, Aulia Nurdin, Sofyan Oktavid Indra Haikal, Muhammad Pambudi, Dwi Bagus Pangestuti, Dina Rahayu Peni Lestari Prima Shofa, Salchah Priyasari, Diana Purwanto Putri, Wisula Rahman, MIftahur Ratna Ayu, Enjelita Rimadhani, Amanda Novia risqiani, alfi risqiyati, dewi Safira, Seena Safira, Vina Aulia Safitri, Laura Salchah Prima, Shofa Sandi Ari Susiatmi, Sandi Ari Saputra, Ahmad Ghulami Adyan Danar Septianingtyas R, qonita Siswahyudianto Sofiyani, Anisa Sriwulan, Wiwin Sukani, Amat Tohirin, Rozikin ulya k, indi Wahyu Khasanah, Ika Wisula, Putri Yohani, Yohani Yuliyanti yuliyanti Yunika Aprilias , Farotin Ziyya Adelina , Maylashofa