ANALISA MINAT MASYARAKAT KAMPUS UNIVERSITAS ABDURRAB TERHADAP TABUNGAN MULTIGUNA DI BAITUL MAAL WAT TAMWIL ISLAM ABDURRAB PEKANBARU

Abstract

BMT is a microfinance institution that operates on the principle of yield-share. One of them is in Pekanbaru in abdurrab university, BMT is BMT Islam Abdurrab which offers fund products, financing products, and service products. In this study, the authors only discussed the fund products namely multipurpose savings, the provision stipulated in multipurpose savings is a minimum of Rp. 50.000,- the next deposit is at least Rp. 10.000,- and the administration of open savings is Rp. 5.000,- While the requirement to become a customer on multipurpose savings account is copy of IDENTITY Card (KTP/SIM) and fill out the savings opening form. Multipurpose savings using mudharabah agreement. mudharabah is a contract between the two parties, in which the one party submits capital and the other party empowers the capital for the business, as well as the profit earned is divided together with the share of the profit share agreed upon at the time of the agreement. This research is field research conducted at BMT Islam Abdurrab Pekanbaru with methods of collecting observation data, interviews, questionnaires and documentation. In analyzing the data the authors used qualitative descriptive taknics that describe systematically, factually and accurately about the facts and nature of a particular population or try to describe the phenomenon in detail by using the presentase formula. The results of this study found that the public interest in Abdurrab University campus towards multipurpose savings at BMT Islam Abdurrab belongs to the category of "less high" indicated by the figure of 31% who are independent of 5 lecturers, 19 students/i, 3 security people and 4 employees, while those who are not interested in catechism are "quite high" with a percentage of 51% consisting of 47 students and 4 employees, and who are still hesitant to save are categorized as "low" with a percentage of 18% consisting of 17 students and 1 employees. With a total campus community of 3,301 people and the total number of customers in multipurpose savings at BMT Islam Abdurrab as many as 320 people. The factors that affect the university campus community abdurrab to save in BMT Islam Abdurrab namely because of the absence of monthly deductions, membership, absence of usury and emotional closeness with bmt employees and directors. Meanwhile, the factors that influence the community not to save in BMT Islam Abdurrab are due to the lack of socialization on the part of BMT, the absence of ATMs, inadequate infrastructure and lack of human resources on the part of BMT