MINAT PEDAGANG TAMAN JALUR TERHADAP PRODUK PEMBIAYAAN MIKRO DI KCP BRI SYARIAH KUANSING A YANI

Abstract

This research is motivated by the development of Islamic banking in the City of Teluk Kuantan which currently has been established, one of which is KCP BRI Syariah Kuansing A Yani. KCP BRI Syariah A Yani has issued a micro product that aims to help UMKM in the Taman Jalur Teluk Kuantan.

This study aims to determine the interest of Taman Jalur traders towards microfinance products in KCP BRI Syariah Kuansing A Yani and what are the driving factors and inhibiting factors for Taman Jalur traders to use microfinance products in KCP BRI Syariah Kuansing A Yani. The population in this study is the Taman Jalur traders, amounting to 90 people and the whole is used as a sample. In the sampling technique using nonprobability sampling techniques, while in data collection using interviews, questionnaires and documentation. Data were analyzed descriptively qualitatively using a percentage formula.

From this study it can be concluded that the interest of Taman Jalur traders towards micro financing products at KCP BRI Syariah Kuansing A Yani is included in the high category as indicated by the figure of 71,1%. The driving factor for the Taman Jalur traders using micro financing products at KCP BRI Syariah Kuansing A Yani is that operates according to Islamic law, can avoid usury and an attractive profit-sharing system, while the inhibiting factor is that traders are constrained when checking, the public is accustomed to dealing in conventional banks or cooperatives.