PENGARUH PRINSIP CHARACTER, CAPACITY, DAN COLLATERAL TERHADAP PEMBAYARAN NASABAH DALAM PEMBIAYAAN MUR?BAHAH MIKRO DI BRI SYARIAH KCP MAGELANG

Authors

  • Miftahurrahman dan Jama’ Ni’matushshalikhah STAI An-Nawawi Purworejo

Keywords:

Character, Capacity, Collateral, Payments, Murabahah.

Abstract

This study aims to answer the question of how to character, capacity and
collateral partially on customer payments in financing micro muraha in BRI
Syariah KCP Magelang. And what about character, capacity and collateral
simultaneously for customer payments in financing the micro muraha in BRI
Syariah KCP Magelang. The population in this study was 450 customers. This is
based on the calculation results obtained by tcount > ttable (2,628 > 1,302) with a
significance value of 0.012. Thus it shows that hypotesis one (H1) is accepted.
Capacity partially has insignificant effect on customer payments at BRI Syariah
KCP Magelang. This is based on the calculation results obtained tcount < ttable
(0.918 < 1.302) with a significance value of 0.364. Thus it shows that hypotesis
two (H2) is rejected. Collateral partially has a significant effect on customer
payments at BRI Syariah KCP Magelang. This is based on the calculation results
obtained by tcount > ttable (2.380 > 1.302) with a significance value of 0.022. Thus
it shows that hypothesis three (H3) is accepted. Likewise with the results of the
simultaneous study of independent variables (character, capacity and collateral)
effect on customer payments at BRI Syariah KCP Magelang. This is based on the
calculation results obtained by Fcount > Ftable = 11,667 > 2,22. Thus it means that
simultaneous character, capacity and collateral influence on customer payments.

Published

2020-08-28