PENGARUH KUR SYARIAH TERHADAP PEMILIHAN PEMBIAYAAN OLEH NASABAH DI PEGADAIAN SYARIAH BIREUEN

Abstrak

Sharia People’s Business Credit (KUR Syariah) is one of the sharia-based financing instruments designed to improve access to capital for micro, small, and medium enterprises (MSMEs). The implementation of KUR Syariah at Pegadaian Syariah is expected to serve as a fair, transparent, and interest-free financing solution. This study aims to analyze the effect of KUR Syariah on financing selection by customers at Pegadaian Syariah Bireuen. This research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 100 customers of Pegadaian Syariah Bireuen who utilized financing products. The data analysis techniques included validity testing, reliability testing, and simple linear regression analysis using SPSS software. The results indicate that KUR Syariah has a positive and significant effect on customers’ financing selection. These findings suggest that procedural convenience, compliance with sharia principles, and fair margin determination are the main factors encouraging customers to choose KUR Syariah. This study is expected to provide useful insights for the evaluation and development of sharia financing products at Pegadaian Syariah.