Pragmatisme Nasabah BMT: Analisis Faktor Penentu Keputusan Pembiayaan di Kabupaten Sampang
DOI:
https://doi.org/10.63321/jise.v3i2.189Keywords:
Customer Pragmatism; BMT Financing; Profit-Sharing; Service Quality; Religiosity.Abstract
This study explores customer pragmatism in financing decisions at BMT NU Ketapang Branch, Sampang Regency, focusing on profit-sharing, service quality, location, and religiosity. Using a descriptive quantitative approach supported by in-depth interviews, the study collected data from 15 active financing customers through structured questionnaires and interviews. The findings reveal that profit-sharing or perceived financing affordability was the most frequently selected consideration (46.67%), followed by service quality (33.33%), location (13.33%), and religiosity (6.67%). These results indicate that customers tend to prioritize economic benefits and service convenience over explicitly religious motivations when selecting financing products. However, religiosity may remain an underlying consideration that complements practical financial needs. This study highlights the coexistence of economic rationality and religious values in Islamic microfinance decision-making. It provides practical insights for BMT management to develop competitive financing services while maintaining Sharia principles.
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