Article Per Year (5 Year)
p-Index From 2020 - 2025
1.975
P-Index
This Author published in this journals
All Journal Ekonomi Bisnis JURISMA: Jurnal Riset Bisnis & Manajemen International Journal of Business, Law, and Education Wadiah : Jurnal Perbankan Syariah International Journal of Applied Business and International Management Journal Markcount Finance Sharia Oikonomia Law Journal West Science Social and Humanities Studies Jurnal Pengabdian Masyarakat dan Riset Pendidikan West Science Islamic Studies JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan IEB: Journal of Islamic Economics and Business
Ariyanti, Rini
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

Published : 13 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Wadiah : Jurnal Perbankan Syariah

 1 
Understanding Consumer Behavior In Murabahah Financing Choices: The Role Of Knowledge Ariyanti, Rini; Aziz, Roikhan Mochamad; Nurrokhim, Isma; Maghfiroh , Fachrial Lailatul; Subandono, Agus
WADIAH Vol. 9 No. 1 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to understand consumer behavior in choosing murabahah financing at BMT Beringharjo Nganjuk Branch, focusing on the role of consumer knowledge as the main factor influencing decision-making. This study uses a quantitative method with a simple linear regression analysis technique. Data were collected through questionnaires for 66 respondents who are BMT customers. The results of the study indicate that consumer knowledge has a significant influence on murabahah financing decision-making, with a correlation coefficient of 0.796 (strong relationship) and an R² value of 63.4%. This indicates that 63.4% of the variability in consumer decisions can be explained by their level of knowledge, while 36.6% is influenced by other factors. Education through family and friends is the main source of information (60.6%), while electronic media and brochures are less effective. In conclusion, increasing consumer knowledge, especially through product education, can encourage more informed decisions and strengthen trust in sharia financing. This study is relevant in formulating marketing and education strategies to improve consumer understanding and BMT competitiveness in the sharia financial sector.
Co-Authors Camelia, Atika Nora Christiaan, Pemy Costa, Tiago Deasy Wulandari Fajar Wahyu Prianto Fatticia, Rika Harjoni Harjoni Husaini Husaini Judijanto, Loso Julyarman, Nasrun Lima, Lucas Maghfiroh , Fachrial Lailatul Mahardiyanto, Agus Marianingsih, Ita Muhammad Ade Kurnia Harahap N. Ari Subagio Naqiyya, Nihal Rannan Nurchayati Nurchayati Nurrokhim, Isma Riansaputri, Hesti Dwi Riesna Apramilda Robby Reza Zulfikri Roikhan Mochamad Aziz, Roikhan Mochamad Sarif, Akbar Silva, Pedro Sri Suryani Subandono, Agus Sucipto, Bambang Tyahya Whisnu Hendratni Wahyuningratna, Ratu Nadya