FACTORS THAT INFLUENCE MUDHARABAH FINANCING DECISIONS AT BANK MUAMALAT JAMBI BRANCH

Abstract

This study aims to determine the factors influencing Mudharobah financing decisions at the Muamalat Bank Jambi Branch. This relates to the arrears in repaying Customer's loans to banks. This study uses primary data, and the method used in this study is the method of multiple linear regression. Econometrics analysis using multiple linear regression was conducted to identify the variables influencing the Mudharabah financing decision at the Muamalat Bank Jambi branch. The variables used in this study are financing decision variables as dependent and character variables, capacity, capital, economic conditions, and collateral as independent variables. 25 statement items used to assess financing decisions, 99.96 per cent of statement items used to assess financing decisions are declared valid or can be accepted as statement items to assess financing decisions, and only 0.04 per cent of statement items in assess financing decisions are declared invalid. Financing decision as a dependent variable in this study, there is a Cronbach's Alpha value of 0.988 which is greater than the value of the r table is 0.3202 meaning all items of this statement are declared reliable or trusted as a data collection tool in this study.