FAKTOR YANG MEMPENGARUHI KEPUTUSAN PELAKU USAHA MIKRO DALAM MENGGUNAKAN PEMBIAYAAN SYARIAH

Business in the form of micro is a form of business that can move the economy by leading to the level of income and welfare of the community. The government's future policy is to encourage the halal product industry to become a producer for the domestic market and at the same time halal products in the world market, the growth of halal micro-enterprises in Indonesia requires a large amount of capital, therefore this opportunity is taken by sharia financing. Financing provided by Islamic banks can be seen from the financing of consumption, investment, and working capital based on sharia principles with profit sharing schemes and partnerships. This is evidenced where Islamic financial institutions remain stable. This study aims to determine the effect of the variables of religiosity, profit sharing, service quality and customer income on the decision to use sharia financing in the city of Malang. The types of data used in this study are primary data types. The analysis used in this research is multiple linear regression. The result of this research is that religiosity has a positive and significant effect on the decision to use Islamic financing. Profit sharing has a negative and insignificant effect on the decision to use Islamic financing. Service quality has a positive and significant effect on the decision to use Islamic financing. And customer income has a positive and significant effect on the decision to use Islamic financing