PENGARUH MOTIVASI, PENGETAHUAN, DAN SISTEM BAGI HASIL TERHADAP MINAT MASYARAKAT DALAM MELAKUKAN PEMBIAYAAN PADA BANK SYARIAH
(Studi pada Pelaku UMKM Kecamatan Karangrejo Kabupaten Tulungagung)
DOI:
https://doi.org/10.21274/balance.v7i1.12399Keywords:
Motivasi, Pengetahuan, Sistem Bagi Hasil, Pembiayaan Bank SyariahAbstract
Keberadaan dua sistem perbankan telah memicu perdebatan yang tak terhindarkan di kalangan masyarakat Indonesia mengenai mana yang lebih baik. Saat ini, bank syariah telah melampaui tren pertumbuhan total bank konvensional. Oleh karena itu, penelitian ini bertujuan untuk menganalisis apakah minat dalam menggunakan pembiayaan syariah dipengaruhi oleh beberapa variabel dalam penelitian ini, khususnya bagi pelaku UMKM. Hasil penelitian menunjukkan bahwa motivasi tidak memiliki dampak yang signifikan terhadap minat (0,224 < 2,003), sedangkan pengetahuan dan sistem bagi hasil memiliki pengaruh yang signifikan, dengan nilai masing-masing (4,329 > 2,003) dan (7,124 > 2,003). Selain itu, minat pemilik UMKM dipengaruhi secara simultan oleh semua variabel independen (66,905 > 2,769).
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