Ubaydillah, Abdul Haris and Rahayu, Yayuk Sri (2022) The effect of margin, service quality and collateral on murabahah financing of small and medium enterprises. Presented at International Conference of Islamic Economics and Business 8th 2022, 29 Sep 2022, Universitas Islam Negeri Maulana Malik Ibrahim Malang.
|
Text
11623.pdf - Published Version Download (251kB) | Preview |
Abstract
Financial institutions provide financing services in order to meet the public's need for capital, especially for micro, small and medium enterprises. During the Covid-19 pandemic, murabahah contract financing was the most sought after by the public. Therefore, this study aims to determine the effect of margin, service quality, and collateral on murabahah financing. This study uses a quantitative type with a survey method. The population in this study is murabahah financing customers with a sample of 104 respondents. The research instrument test was carried out to test the validity and reliability. Data analysis used multiple linear regression analysis.The results showed that margin and service quality had a significant effect on murabahah financing. Meanwhile, collateral has no significant effect on murabahah financing. Based on the results of this study, financial institutions are expected to be able to provide information about murabahah margins transparently to customers so that they can increase the amount of murabahah financing. The collateral provided is more affordable for customers so that the application for murabahah financing can be comprehensive for small and medium entreprises.
| Item Type: | Conference (Paper) |
|---|---|
| Keywords: | collateral; margin; service quality |
| Subjects: | 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing |
| Divisions: | Faculty of Economics > Department of Islamic Banking |
| Depositing User: | Yayuk Sri Rahayu |
| Date Deposited: | 19 Oct 2022 13:03 |
Downloads
Downloads per month over past year
Origin of downloads
Actions (login required)
 |
View Item |
Altmetric
Altmetric
