STRATEGI MENANGGULANGI FAKTOR-FAKTOR PENYEBAB RENDAHNYA MINAT NASABAH TERHADAP PRODUK PEMBIAYAAN MURABAHAH DI BMT SURYA KENCANA BALONG

BMT Surya Kencana Balong is a Sharia financial institution that offers murabahah financing, yet customer interest remains low. This study aims to examine the implementation of murabahah financing, the factors contributing to low customer interest, and the strategies employed by the BMT to boost such interest.
The study employs a qualitative approach using a case study method. Data collection was conducted through observation, interviews, and documentation review. Data analysis involved data reduction, data presentation, and conclusion drawing. The findings indicate that while murabahah financing at BMT Surya Kencana Balong has helped meet customers' business capital needs, there are still obstacles regarding requirements, the application process, and collateral. Low customer interest is influenced by internal factors—such as pricing, processes, and promotion—as well as external factors, including limited Sharia financial literacy and competition from other financial institutions.
BMT Surya Kencana Balong has implemented strategies involving personal selling and public education. While these strategies have aided in product awareness, they have not yet fully succeeded in increasing customer interest. Therefore, improvements are needed regarding the accessibility of information, the simplification of processes, and the strengthening of educational efforts to make murabahah financing more appealing to the public.