FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT PEDAGANG MUSLIM TAMAN JALUR DALAM MENGGUNAKAN JASA LEMBAGA KEUANGAN NON SYARIAH DALAM MEMPEROLEH MODAL USAHA

Abstract

Pasar Taluk Kuantan village is located in the capital of Kuantan Singingi Regency. In addition to its strategic existence, Pasar Village also has entertainment facilities, one of which is Taman Jalur. One of the eyes of the search for the people of Pasar Taluk Village is as a trader.

In trading, the trader has capital derived from his own capital, Non Sharia Bank Financial Institution and Non Bank Non Sharia Financial Institution. Judging by religion, all Taman Jalur Merchants are Muslim.

This research aims to find out the factors that cause Muslim traders to use Non-Sharia Financial Institutions in obtaining venture capital. The population in this study was Muslim traders who traded in Taman Jalur Taluk Kuantan Kecamatan Kuantan Tengah which numbered 140 people. And that was taken as a sample of 58 people. Sampling techniques by means of quota sampling. And the data collection techniques used are interviews and polls. The data is descriptively qualitatively analyzed using a percentage formula.

From the results of this study can be concluded that the factors that cause Muslim traders Taman Jalur to use Non Sharia Financial Institutions in obtaining venture capital are economic, cultural and promotional factors. The percentage of Muslim traders using Non-Sharia Financial Institutions is shown in a high category with a figure of 78%. Sharia financial institutions run with sharia systems and all traders are Muslims who have known the existence of Sharia Financial Institutions, but knowledge of financing products is still low. Due to a lack of in-depth recognition of the product. As for the percentage indicated by the figure of 21%, it is categorized as still low introduction made by Sharia Financial Institutions to Muslim traders Taman Jalur Taluk Kuantan.