THE INFLUENCE OF SHARIA FINANCIAL TECHNOLOGY TOWARDS DEBTORS’ PREFERENCE ON SHARIA RURAL BANK IN MUDHARABAH AND MUSYARAKAH FINANCINGS (CASE STUDY ON BANGUN DRAJAT WARGA SHARIA RURAL BANK BANTUL, SPECIAL REGION OF YOGYAKARTA)
HAWWA, TAZKIYYAH NAFS EL
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The aim of this research is to analyse the influence of Sharia Financial Technology towards the change of Debtors’ Preference on Bangun Drajat Warga Sharia Rural Bank Bantul, Special Region of Yogyakarta. The influence of Sharia Financial Technology is measured by using indicators Perceived Financial Technology, Service Feature, Perceived Ease of Use, and Perceived Risk. This research took case study on Bangun Drajat Warga Sharia Rural Bank Bantul, Special Region of Yogyakarta. The type of data used in this research is primary data collected using questionnaire and interview. The primary data was processed using SPSS15 and analysed using Multiple Linear Regression. The results show that Perceived Financial Technology, Service Feature and Perceived Ease of Use partially has significant and positive influence towards the change on Sharia Rural Bank Debtors’ Preference. The variable Perceived Risk is the only variable that has insignificant and negative influence towards the change of Sharia Rural Bank Debtors’ Preference. Overall, the independent variables simultaneously share significant influence towards the change on Sharia Rural Bank Debtors’ Preference. The independent variables can explain 63,3% of dependent variable, while other 36,7% is explained by other variables outside the model. This research was conducted from September to October 2018.