Determinants of Customer Financing Decisions Baitul Tamwil Muhammadiyah (BTM) Amman Magelang

In this study aims to examine the effect of service quality, customer knowledge, promotions, religious obligations, and pricing on customer financing decisions (a case study on Baitul Tamwil Muhammadiyah (BTM) Amman Magelang.The data collection technique uses the survey method by distributing questionnaires to financing customers at BTM Amman Magelang. In this study, a sample of 115 respondents was selected using a simple random sampling technique. The model used to analyze data or test hypotheses is using the Smart PLS 3.0 program application. Based on the results of the research that has been done, it is obtained that partially consumer knowledge, religious obligations, and pricing have a positive and significant effect on customer financing decisions. Meanwhile, the service quality and promotion variables do not partially affect customer financing decisions.