Factors affecting financing demand at BMT Kahuripan Bayat Klaten Branch
Abstract
Baitul Maal wat Tamwil (BMT) is a Islamic non-bank financial institution that exists to offer alternatives for people who need financial services with Islamic principles such as financing. This research aims to analyze the factors that influence customers' requests for financing at BMT Kahuripan Bayat Klaten Branch. This research method uses quantitative research methods. The sample in this research was financing customers at BMT Kahuripan Bayat Klaten Branch with a total of 60 respondents. The data analysis techniques used include classical assumption testing, multiple linear regression analysis, and hypothesis testing.The results of the research show that partially the variables of need and income have a significant effect on the demand for financing at BMT Kahuripan, Bayat Klaten Branch. On the other hand, partially the customer knowledge variable has no significant effect on demand for financing at BMT Kahuripan Bayat Klaten Branch. Simultaneously, the variables of customer needs, income and knowledge have a significant effect on demand for financing at BMT Kahuripan, Bayat Klaten Branch.
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