PENGARUH PENERAPAN PEMASARAN SYARIAH, TINGKAT MARGIN DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN PENGAMBILAN PEMBIAYAAN MURABAHAH PADA KOPERASI BMD SYARIAH KC KARANGJATI NGAWI

Abstract

A growing number of financial institutions of the sharia-cooperative, which also offers murabahah financing with varying levels of service and margins. And so the competition between sharia operatives continues to rise. To sustain the existence and viability of sharia operatives, one of which through the application of marketing. The margin and the quality of service as diverse among islamic operatives is thought to be one of the considerations for society in the process of financing the murabahah. The study aims to provide empirical impact on islamic marketing (x1), the margin level (x2), and the quality of service (x3) on the decision of financing murabahah financing at BMD sharia branch office. The kind of research used in this study is a quantitative approach with the help of a SPSS program. In this study it uses the distribution of a questionnaire with a total of 232 people. Based on data analysis and discussion, the sharia-based variable on islamic marketing hasa positive impact on the decision of financing murabahah, a variable in the margin, a positive effect on the decision to have a murabahah financing and a deal-quality service decision to be made on the development of the murabahah fund in the Karangjati branch.

Keywords: Sharia Marketing, Margin Level, Service Quality, Murabahah Financing