ANALISIS PRILAKU NASABAH DALAM PEMBIAYAAN DI BANK SYARIAH MANDIRI

Abstract

The main purpose of this research is to analyze customer behavior to take
financing of sharia banking. These analyzing are: first, to know people perception about
sharia banking. Second, to analyze the fact of customer motivation to propose
financing. And the last, to know customer perception about riba and nisbah.
This research use descriptive method base on explanatory research. Primary
data were collected by questioner and interview to customer of Bank Syari’ah Mandiri
Bangkalan that be case study at this research.
The result of this research are: first, customer perception of sharia banking
show that majority of respondents are weakly tend (87,5%), include the comprehension
about the kind of financing. Second, service factor (ease and speed process), believe
factor, and benefit factor (less nisbah of financing). And the third is customer
perception about of riba and nisbah. The answer of customer tend to see the different
both of them from system side.