<![CDATA[The growth of Islamic banking in Indonesia has encouraged the emergence of various financing products with competitive advantages compared to conventional banking. One such example is the Bank Pembiayaan Rakyat Syariah (BPRS) Al-Washliyah Medan, which offers a wide range of products based on Islamic contractual principles (akad syariah). This research stems from the need to understand the distinctive advantages of Islamic financing products offered by the bank and to assess the factors influencing customers’ preferences for specific products. The study employs a qualitative method with a field research approach. Primary data were obtained through interviews with BPRS Al-Washliyah Medan employees, while secondary data were collected from supporting documents and relevant literature. The aim of this study is to analyze the strengths of Islamic financing products at BPRS Al-Washliyah Medan—particularly those based on contracts such as murabahah, mudharabah, musyarakah, ijarah, qardh, salam, and istisna—and to explore the factors shaping customer preferences for these products. The findings reveal that murabahah is the most preferred product due to its installment certainty and simple procedures, while other products such as mudharabah and musyarakah are perceived as more complex. Flexibility, transparency, and spiritual value grounded in Islamic principles have been proven to enhance customer trust. The contribution of this research lies in providing insights for Islamic banking practitioners in developing product strategies and serving as an academic reference to strengthen the literature on customer preferences for Islamic financing products at the local level.]]>
Copyrights © 2025
