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Journal : AL-ARBAH: Journal of Islamic Finance and Banking

Analysis of Factors Influencing Customers Decisions in Taking Murabahah Financing at Bank Muamalat Indonesia Rahmah, Mutiara; Muhlis, Muhlis; Vanni, Kartika Marella
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 1 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.1.26811

Abstract

Purpose - To study in more depth by identifying the factors that influence customer decisions in taking murabahah financing at Bank Muamalat Indonesia. Methods - The methods used are quantitative research with data collection through distributing questionnaires. Method - The method used in this study is qualitative, which is a research approach used to understand social phenomena in depth, from a complex and contextual perspective. In qualitative research, data is collected in a way that allows researchers to explore the feelings, thoughts, and experiences of respondents, and to understand the context in which the phenomenon occurs. Result - The results obtained are that the margin variables, customer knowledge and financing procedures, both partially and simultaneously, have a significant positive influence on customer decisions in taking murabahah financing at Bank Muamalat Indonesia. Implication - By understanding the factors that influence customer decisions, banks can expand the inclusion of sharia financing to unreached groups, especially in areas with low sharia financial literacy. Efficient and targeted murabahah financing can encourage the growth of the real sector and support an economy based on Islamic ethics. Originality - Specifically examines customer decisions on murabahah products at Bank Muamalat Indonesia as the first Islamic bank in Indonesia using a combination of relevant and contextual variables combined with the use of actual primary data based on direct customer experience. With the hope of filling the gap in previous research that has not linked these factors comprehensively in Islamic financial institutions. Keywords:                     Murabahah Financing, Margin, Customer Knowledge, Financing Procedure.
Co-Authors . Muhammad Ramli Buhari Abdul Hafidz Olii Abdur Rauf, M. abu, ilham Agus Ramdani Ahmad ghazali, Ahmad Ahmad Junaidi Ahmad, Muh. Ihsan Said Ahsana, Hardiyanti Ade Akbar, Julhiju Hadiatil Akmal Hidayat Al Akbar, Muhammad Alif Alamsyah - Alif Tunru, Andi Almeida, Adrian Lucky Amalina, Sabila Nur Anas Anas, Anas Andi Asrafiani Arafah Anies, Siti Hasriyati Anis, St Hasriyati Arafah, Andi Asrafiani Arief Rizki Fadhillah Arifin, Nurdin Arisa, Arisa Armus, Rakhmad Asfar, A.M.Irfan Taufan Asfar, Andi Muhamad Iqbal Akbar Asfo, Nurlaila Syarfiah Asrafiani Arafah, Andi Asri, Ainun Asrori., H.M. Asteriani, Devi Azainil Azainil Baharuddin, Andi Buhari, Muh. Ramli Burhan, Rizka Rayhana Cahyani, Fatehatul Dadang Hermawan Ebe, Andi Ebe, Hj. Andi Fadila, Faura Fajrin, Farid Faridah Faridah Fatmawati Fatmawati Fatmawati, Fatmawati Fauziah Fauziah Firdaus, R Wahyudi Fitriani, Mohammad Iwan Gito Hadiprayitno Gultom, Karlina Sari Haerani, Rosita Putri Rahmi Haeruddin Haeruddin Halisa, Siti Nur Hamzah, Zeze Zakaria Handayani, Lisa Hani Subakti Hardianti, Dwi Tiara Hari Akbar, Muhammad Hasnawi, Hasnawi Haris Hasri, Ahmad Fudhayl Herlina, Besse Hesti Gustiah Hety Diana Septika I Wayan Merta Ieke Wulan Ayu Ikhsani, Adinda Nurul Ilahi, Rahmat Ilhamdi, M. Liwa Ilhamdi, Mohammad Liwa Imam Bachtiar Imam Fathoni Imam, Imam Suyitno Irfansyah, Ae Irhas Irhas, Irhas Ishak Kadir, Ishak Jamil Jamil Jumadi Jumadi Junior, Adrian Jusran Jusran karmila karmila Kartono - Khalid, Garwan Khusnia, Hartin Nur Komariah, Laili Kristin, Ari Kristiyani, Nihan Kusmiaji, Adelia Kusuma, Anindita SHM M. Yamin Masruroh MASRUROH Mattunruang, Andi Aris Mirnawati Mirnawati Mohammad Ilyas Muchamad Hamdani Muhammad Hasan Muhammad Ricky Rohan Muhammad Sultan Muhammad Sultan, Muhammad Muhtar Muhtar Mujito Mujito, Mujito Musliadi Musliadi Mustamiroh, Mustamiroh Mutahir, Agus Najamuddin Najamuddin, Najamuddin Ni Luh Putu Pebri Artayani . Nirwana, Nirwana Norveniliati Lewi Nur Lestari Nuraini Nuraini Nurannisa, Andi Nurcaya Nurcaya Permata, Sri Prima, Anggra PURWANTI PURWANTI Putra, Agung Alwan Putra, Trisno Wardy Putri Rahmi Haerani, Rosita RACHMAT HIDAYAT Rachmat Triandi Tjahjanto Raden Firdaus Wahyudi, Raden Firdaus Rahma, Nur Aliah Rahmah, Mutiara Rahmania, Nazwa Rahmatullah Rahmatullah Ramli, Musdalifah Ranaswijaya, Ranaswijaya Restu, Adam Riska Ayu Mardaniah Rosita Putri Rahmi Haerani S.J. Iswarin Samad, Ahmad Ghazali Sappewali, Sappewali Saputra, Bintang Bima Saputra, Eryc Sasongko, M. Ilman Nur Sayuti Sayuti Sa’rani, Fitriana Septika, Hety Diana Shalihah, Al Maratu Singgih Kuswardono Subagio, Lambang Subagyo, Wawan Hari Sudirman Sudirman Suhartini, Erna Sukriadi sukriadi sukriadi Sunardi Sunardi Supri Hartini, Supri Supriadi Supriadi Suprihartini Suriyati, Suriyati Sutrisno, Sutrisno Syahria Syahria Syaiful Anwar Syamsiar, Syamsiar Syarigawir, Syarigawir Tanri, C. Selry Tanry, C. Selry Taufik Hidayat Tri Wahyuningsih Trimulato Trimulato, Trimulato Umar, Ratnawati Vanni, Kartika Marella Wahyudi Wahyudi Wahyudi, R.Firdaus Warman Warman Widya Rahmawati Widyatmike Gede Mulawarman Yulanda Trisula Sidarta Yohanes Yuni sahruni, Ade Yusran Yusran Zamad, Ahmad Ghazali Zhalianti, Desvira Zulfi, M. Zulpiani, Ira