PEMAHAMAN NASABAH TENTANG KONSEP MUDHARABAH (Studi Pada BMT Ditha Anugerah Abadi Makassar)

Ismail Rasulong

Abstract


This study aims to analyze the influence of product factors, religious factors, and social class factors on the understanding of BMT customers and to explain the dominant factor of influence on the understanding of BMT customers. This research is eksplanasi, data collection method is survey on selected respondents with the number of samples of 50 people. Data analysis using multiple regression. The results showed that product factors, religious factors, and social class factors have a significant positive effect on the understanding of BMT customers about the concept of mudaraba. All three factors have a strong correlation level to the understanding of customers with a determination of 58.5%. This means that these three factors are the decisive factors that can assist the customer in understanding the concept of mudaraba system. Further partially, there is one factor that is not siginfikan influence on customer understanding, while the other two factors namely product factors and religious factors have a significant positive effect. The effective contribution of these three factors is: religious factor contributes effectively to 20.2% of customer understanding, religious factor with effective contribution of 33.1%, and factor three is only 1.5%. based on partial test, it is known that religious factor is the most dominant factor affecting customer's understanding.

Keywords


Mudharabah; Pemahaman Nasabah

Full Text:

PDF PDF

References


Abd. Madjid, Baihaqi (Ed). 2000. Paradigma Baru Ekonomi Kerakyatan Sistim Syariah : Perjalanan Gagasan dan Gerakan BMT, PINBUK, Jakarta.

Amiruddin. 2003. Studi Perbandingan Pelaksanaan Prinsip Mudarabah pada Koperasi Pondok Pesantren al-Muslim dan Lembaga Keuangan Syariah PT Bank Perkreditan Syariah al-Mabrur Ponorogo, Tesis MSI UII, Yogyakarta.

Choudhury, Masudul Alam. 1986. Contributions to Islamic Economic Theory : a Study in Social Economics, New York : St. Martin’s Press.

Dahlan, Ahmad. 2002. Implementasi Pembiayaan Mudarabah di BMT Mentari Bina Artha Tegal: Studi Kasus Tahun 1996-2001, Tesis MSI UII, Yogyakarta.

Hikmatullah. 2003. Mudarabah Suatu Sistim Ekonomi Alternative tanpa Riba : Studi tentang Perspektif Islam Terhadap Ekonomi , MSI UII, Yogyakarta.

Ibrahim, M. Anwar. 2006. Konsep Profit dan Loss Sharing System Menurut Empat Madzhab. Makalah tidak diterbitkan.

Ilmi, Makhalul. 2002. Teori dan Praktek Lembaga Mikro Keuangan Syariah, Cet.1, UII Press, Yogyakarta.

Kuntowijoyo. 2001. Seputar Perkembangan Sejarah Umat dalam Muslim Tanpa Masjid, Mizan, Bandung.

Muhammad. 2003. Manajemen Bank Syariah, UPP AMP YKPN, Yogyakarta.


Refbacks

  • There are currently no refbacks.