CONSUMER BEHAVIOR FOR LKMS-BMT MASLAHAH SIDOGIRI IN PASURUAN: INTERPRETATIVE STRUCTURAL MODELING APPROACH ANALYSIS STUDY

Abstract

Perilaku Konsumen Lembaga Keuangan Mikro Sharia (LKMS)memiliki keunikan tersendiri terkait keputusan pemanfaatan produk jika dikaikan dengan lembaga  keuangan sharia dan konvensional. BMT Maslahah (BMTM) Sidogiri Pasuruan merupakan salah satu Lembaga Keuangan Mikro Sharia (LKMS) yang menyediakan jasa keuangan yang berbasis sharia yang tidak lepas dari persepsi dan penilaian calon konsumen yang menggunakan produknya. Mesti secara kuantitatif telah terjadi peningkatan jumlah konsumen, BMT Maslahah belum melakukan identifikasi khusus terkait perilaku audience yang berpotensi menjadi tantangan di masa depan.penelitian ini menggunakan pendekatan kualitatif, yaitu análisis deskriptif dan Interpretative Structural Modeling (ISM). Hasil penelitian menunjukkan bahwa perilaku konsumen BMT Maslahah positif dalam penggunaan produk BMT Maslahah. Pemahaman dan sikap positif terhadap produk BMT Maslahah dilandasi oleh motif kebutuhan sehari-hari dan pengembangan usaha, disamping penerimaan nilai-nilai shariah berupa keberkahan dan keadilan ekonomi saat menggunakan produk BMT Maslahah. Upaya BMT Maslahah Sidogiri Pasuruan dalam membangun perilaku konsumtif kepada konsumen BMT Maslahah dengan mendekatkan pelayanan kepada masyarakat, meningkatkan rasio pengawas dan disiplin pengawasan serta mengembangkan beberapa produk sesuai dengan kebutuhan masyarakat, serta penguatan Sumber Daya Manusia (SDM). [Consumer behavior The Sharia Micro Institution Institution (LKMS) has unique characteristics related to product utilization decision making when it is associated with Islamic and conventional financial institutions. BMT Maslahah (BMTM) Sidogiri Pasuruan is one of the LKMS that provides Sharia-based financial services that cannot be separated from the perceptions and assessments of potential consumers using their products. Even though quantitatively there has been an increase in the number of consumers, BMTM has not made specific identifications related to the behavior of the target audience which could potentially be a challenge in the future. This study uses a qualitative approach, namely descriptive analysis and Interpretative Structural Modeling (ISM). The results showed that consumer behavior in BMTM is positive in the utilization of BMTM products. Understanding and positive attitude towards BMTM products is based on the motives of daily necessities and business development, besides the factors of acceptance of sharia values in the form of blessing and economic justice when using BMTM products. The efforts of BMT Maslahah Sidogiri Pasuruan in building consumer behavior to BMT by bringing services closer to the community, increasing the ratio of supervisors and discipline of supervision and developing several products according to community needs, as well as strengthening human resources.]