ANALISIS PENGARUH TINGKAT RELIGIUSITAS TERHADAP PERMINTAAN PEMBIAYAAN MUDHARABAH (Studi Pedagang Sayur di Pasar Tradisional Giwangan Yogyakarta)

Abstract

Based on research finding, in fact, the influencing factors on mudharabah Financing demand of vegetable traders are not influenced by business coaching, nor agreement that appropriate with syari’ah principle, vegetable traders, and BMT customer asked for Financing. Market society and market management do not understand about syari’ah Financing using profit sharing principle. No collateral is a dominant factor in influencing mudharabah Financing demand of vegetable traders at Giwangan Traditional Market. Islamic levels of BMT customers do not also influence mudharabah Financing demand. This is because a lot of mistrust from market community to BMT using profit sharing and the existence of Giwangan Market is unregistered as a legal financing institution at the market management. 

The profit sharing method still holds bank interest system; it can be seen at the amount of money that should be paid by BMT customers in the early agreement. The use of bank interest system is very contrary to Islamic principles and the vision, mission and goals of BMT.

Keywords: Financing, Mudharabah, BMT, Market.