International Journal of Islamic Economics (IJIE)
Vol 7 No 01 (2025): International Journal of Islamic Economics

The Influence of Murabahah Financing and the Length of Financing Repayment on the Income of PNM Mekaar Syariah Customers in Bengkulu City

Daulay, Tri Hennarti (Unknown)
Idwal B (Unknown)
Afrianty, Nonie (Unknown)



Article Info

Publish Date
02 Jul 2025

Abstract

Introduction: Micro, small, and medium enterprises play a vital role in economic growth, but this is not supported by sufficient capital for business actors. Objective: This study aims to determine the effect of murabahah financing and the length of repayment of financing on the income of PNM Mekaar Syariah customers in Bengkulu City. Method: The researcher used a quantitative method with primary data collection techniques, including questionnaires distributed to 50 respondents. The data analysis method used was multiple linear regression analysis with the SPSS 27.0 program. Results: Results Based on the calculated t value for the financing variable (X1), 2.660> t table value 2.01174, and its significance is less than 0.05 (0.00 <0.05). Moreover, the results of the calculated t value for the variable Length of Financing Repayment (X2) 2.263> t table value 2.01174, and its significance is less than 0.05 (0.005 <0.05). From the results of the simultaneous test (F TEST), the calculated F value is 10.947 while the F table is known df1 = 2 and df2 = 47 with a confidence level of 95%, then the F table is 3.20. Therefore, the calculated F 10.947> F table 3.20, and the significance value is 0.001 (<0.05). This means there is a simultaneous influence between the amount of financing and the length of the financing repayment period on the income level of PNM Mekaar Syariah customers in Bengkulu City, Selebar District. Implications: This shows that improving the quality of halal certification services in Banda Aceh City can also increase business actors’ satisfaction

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Journal Info

Abbrev

IJIE

Publisher

Subject

Economics, Econometrics & Finance

Description

International Journal of Islamic Economics accepts manuscripts whose topics are in range of economic fields and employs standard economics analysis tools focusing on issues pertaining to Philosophy of Islamic Economics, Islamic Economic Thought, Islamic Economics and Contemporary Issues and Islamic ...