Hubungan Faktor Eksternal Dengan Keputusan Pembiayaan Murabahah Pada Bank Syariah Kota Pekanbaru

The Relationship Between External Factors and Murabahah Financing Decisions at Islamic Banks in Pekanbaru City

Abstract

External factors to the decision making of murabahah financing in Islamic banks in the city of Pekanbaru are very important, considering the strategic role of Islamic banks in supporting the sharia-based economy and the need to ensure that financing decisions taken are in accordance with sharia principles, as well as efficient and sustainable. The purpose of this study is to find out whether there is a relationship between external factors and Murabahah financing decisions at Islamic banks of Pekanbaru City. This research method employs a quantitative descriptive approach, with a population of 983,356 people in Pekanbaru City a sample of 100 people. The data analysis methods in this study are Instrument Test and Simple Regression Analysis. The results of the Pearson correlation test showed a correlation coefficient value of 0.821 with a significance level of 0.000 (p < 0.05). These findings prove that there is a significant and very strong relationship between external factors and decisions. Thus, the research hypothesis that states the relationship between external factors and decisions is accepted. Overall, it emphasizes that external factors play an important role in influencing decisions, so that they can be considered for related parties in formulating more effective strategies and policies.