Harga   Jual  Dan   Tingkat   Margin:   Preferensi  Nasabah Dalam Menggunakan Produk Pembiayaan Murabahah   BMT As’adiyah Sengkang

Furwanti, Reni

doi:10.35905/banco.v2i1.1331

Cited by 3 publications

(2 citation statements)

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“…Such dilemmas that frequently arises in murābaha financing at sharia banks is the assumption that margin in murābaha financing is more expensive than interest rate in conventional-credit banks (Furwanti, 2020;Maulidizen, 2018;Pratiwi et al, 2015). The closest statement was expressed by Maulidizen (2018) in his research, revealed that community believe that sharia bank was always entirely compatible with low prices based on the results of interviews with respondents.…”

Section: Criticism Of Margin Actualization In Murābahah Financing At ...mentioning

confidence: 99%

“…Furthermore, sharia bank does not give such advises to the custumer relating to the changing margin adjustment at each payment maturity, causing the customer feels burdened by this situation (Wawancara Nasabah Bank Syariah yang Menggunakan Akad Murabahah, 2021). Furwanti's (2020) reported that although the sharia financial institution provides margin negotiation opportunities, it still prioritizes margin determination decisions based on conditional factors such as installment time periods and customer characteristics, thus negotiations play a minor role in determining margin levels (Furwanti, 2020).…”

Section: Criticism Of Margin Actualization In Murābahah Financing At ...mentioning

confidence: 99%

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Criticism of Margin Actualization in Murābahah Financing at Sharia Banking Evidence from Indonesia

Furwanti

Lestari

Mustaqim

et al. 2023

JMSR

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This study aims to analyze margin actualization of murābaha contract. It is because, although murābaha is a favorable financing contract at sharia banking, it still has problem due to the related issue. This happens due to lack of trust form such customers, who have a tendency that sharia bank is the same with conventional bank due to the issue of margin actualization. This is a qualitative descriptive reseach with library reseach approach, exploring the issue and relating to the Islamic study to get such deep analysis. The result revealed that relating to the issue it needs such a fatwa or other binding which aligned with sharia principles, and such reconstruction of the contract which appropriate with sharia principle reflected by maqāṣid al-sharia.

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Section: Criticism Of Margin Actualization In Murābahah Financing At ...mentioning

confidence: 99%

Section: Criticism Of Margin Actualization In Murābahah Financing At ...mentioning

confidence: 99%

Criticism of Margin Actualization in Murābahah Financing at Sharia Banking Evidence from Indonesia

Furwanti

Lestari

Mustaqim

et al. 2023

JMSR

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From conventional to Islamic banks: Factors affecting customer interests and decision making in selecting banks

Muhdar¹,

Darmono

Mardiana³

et al. 2023

Banks and Bank Systems

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The phenomenon of increasing customers of take-over financing from conventional banks to Islamic banks is an interesting trend to study. This research purpose is to investigate the influence of murabahah financing margins, customer religiosity to customer interest and decision making. The method used is a sequential mixed method. The instrument quantitative is a questionnaire, and the qualitative method is an interview. 199 pensioner customers participated in the survey. Internal consistency is measured by Cronbach’s alpha value. The accuracy of the structural equation modeling (SEM) and hypothesis testing was evaluated using AMOS version 23. The research findings indicate, there was a significant influence between customer religiosity on customer interest and customer interest on decision making. Meanwhile, the murabahah financing margin has no significant influence on customer interest and decision making, as well as between customer religiosity and decision making. Murabahah financing margins and customer religiosity have an influence of significance when mediated by the variable of customer interest. In conclusion, Murabahah financing margin, and customer religiosity does not have a direct significant influence on decision making without being mediated by the variable of customer interest. These results indicate that Islamic bank managers can take advantage of this research variable to increase customer interest so that customer decision making also increases. This study has practical implications for conventional banks and sharia banks. Sharia banks are an opportunity to attract customers from conventional banks, while conventional banks are a challenge because their customers have the potential to take over Islamic banks. AcknowledgmentsThe authors are grateful to the Rector of the State Islamic Institute of Sultan Amai Gorontalo, and the State Islamic University of Alauddin Makassar for funding this research collaboratively, and to the respondents who have taken the time to fill out the research questionnaire so that research data can be collected.

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Analysis Product Quality and Price on Purchase Decision of Drinking Water in Packaging Aqla

Mallombasang

Furwanti

Aprilius

2020

ecotal

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The bottled drinking water industry is growing due to the increasing level of community needs. So the company must make a marketing strategy in order to survive and win competitors. The population in this study were 464 consumers majoring in musamus university management and determining the sample using the Slovin formula was a sample of 61 people. data collection using a questionnaire. The method used is multiple linear analysis method. Test results prove that product quality and price have a positive influence on purchasing decisions. This should be a concern for management CV Tirta Alam Jaya Merauke will be quality products and prices because it affects the purchasing decision.

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Harga Jual Dan Tingkat Margin: Preferensi Nasabah Dalam Menggunakan Produk Pembiayaan Murabahah BMT As’adiyah Sengkang

Cited by 3 publications

References 0 publications

Criticism of Margin Actualization in Murābahah Financing at Sharia Banking Evidence from Indonesia

Criticism of Margin Actualization in Murābahah Financing at Sharia Banking Evidence from Indonesia

From conventional to Islamic banks: Factors affecting customer interests and decision making in selecting banks

Analysis Product Quality and Price on Purchase Decision of Drinking Water in Packaging Aqla

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