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DAFTAR ISI

HALAMAN JUDUL ...................................................................................... i

HALAMAN NOTA PERSETUJUAN PEMBIMBING .............................. ii

HALAMAN PENGESAHAN ........................................................................ iii

HALAMAN PERNYATAAN ........................................................................ iv

HALAMAN MOTTO .................................................................................... v

HALAMAN PERSEMBAHAN .................................................................... vi

KATA PENGANTAR .................................................................................... vii

ABSTRAK ...................................................................................................... x

DAFTAR ISI ................................................................................................... xi

DAFTAR TABEL .......................................................................................... xiv

DAFTAR GAMBAR ...................................................................................... xv

BAB I : PENDAHULUAN

A. Latar Belakang Masalah ........................................................... 1

B. Fokus Penelitian ....................................................................... 4

C. Rumusan Masalah .................................................................... 5

D. Tujuan Penelitian ..................................................................... 5

E. Manfaat Penelitian ................................................................... 5

F. Sistematika Penulisan .............................................................. 6

BAB II : KAJIAN PUSTAKA

A. Perpindahan Konsumen........................................................... 7

B. Bank Konvensional ................................................................. 8

1. Pengertian Bank ................................................................. 8

2. Kegiatan Bank .................................................................... 8

3. Jenis-Jenis Bank ................................................................. 10

4. Pinjaman atau Kredit .......................................................... 11

5. Prinsip-prinsip Pemberian Kredit ...................................... 13

6. Prinsip Bank Konvensional ............................................... 15

C. BMT (Baitul Maal Wattamwil) .............................................. 16

1. Pengertian BMT (Baitul Maal Wattamwil) ....................... 16

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2. Visi dan Misi BMT ........................................................... 17

3. Prinsip-Prinsip dalam BMT ............................................... 18

4. Penyaluran Dana BMT ...................................................... 19

D. Perilaku Konsumen ................................................................ 21

1. Pengertian Perilaku Konsumen ........................................ 21

2. Perspektif Riset Perilaku Konsumen ................................ 21

3. Perilaku Konsumen Muslim ............................................. 22

4. Unsur Manusia dan Pengaruhnya Terhadap Perilaku

Konsumen Muslim ............................................................ 24

E. Faktor yang Mempengaruhi Perilaku Konsumen ................... 26

1. Faktor yang Mempengaruhi Kepribadian ......................... 26

2. Proses Keputusan Konsumen ........................................... 31

F. Pembiayaan ............................................................................ 34

1. Pengertian Pembiayaan .................................................... 34

2. Perencanaan Pembiayaan ................................................. 36

3. Fungsi Pembiayaan ........................................................... 36

4. Tujuan Pembiayaan .......................................................... 39

5. Pembiayaan Modal Kerja ................................................. 41

6. Pembiayaan Berdasarkan Prinsip Jual Beli ...................... 42

7. Pembiayaan dengan Prinsip Kerja Sama (Partnership) .... 42

G. Hasil Penelitian Terdahulu ...................................................... 43

H. Kerangka Berpikir .................................................................. 46

BAB III : METODE PENELITIAN

A. Pendekatan Penelitian .............................................................. 48

B. Sumber Data ............................................................................ 49

C. Lokasi Penelitian ..................................................................... 50

D. Teknik Pengumpulan Data ....................................................... 50

E. Uji Keabsahan Data.................................................................. 52

F. Analisis Data ............................................................................ 53

BAB IV : HASIL PENELITIAN DAN PEMBAHASAN

A. Gambaran Umum Kecamatan Pucakwangi Kabupaten Pati ... 55

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1. Letak Geografi .................................................................. 55

2. Batas Wilayah .................................................................. 55

3. Jenis Tanah ....................................................................... 55

4. Luas Wilayah .................................................................... 55

5. Keadaan Penduduk Kecamatan Pucakwangi ................... 56

6. Sosial Budaya ................................................................... 58

7. Pertanian ........................................................................... 58

B. Deskripsi Data ......................................................................... 61

1. Praktek Kredit pada Bank konvensional yang Ada di

Kecamatan Pucakwangi Kabupaten Pati ............................ 62

2. Praktek pembiayaan di BMT yang ada di Kecamatan

Pucakwangi Kabupaten Pati .............................................. 64

3. Faktor-faktor yang Mempengaruhi perpindahan pada

Nasabah pembiayaan Bank Konvensional menjadi

anggota BMT di Kecamatan Pucakwangi Kabupaten

Pati ..................................................................................... 67

C. Analisis dan Pembahasan ........................................................ 69

1. Analisis Praktek Kredit di bank konvensional yang ada

di Kecamatan Pucakwangi Kabupaten Pati ....................... 70

2. Praktek pembiayaan di BMT yang ada di Kecamatan

Pucakwangi Kabupaten Pati ............................................... 71

3. Analisis tentang faktor-faktor yang mempengaruhi

perpindahan Nasabah pembiayaan Bank Konvensional

Menjadi anggota BMT di Kecamatan Pucakwangi

Kabupaten Pati ................................................................... 73

BAB V : PENUTUP

A. Kesimpulan .............................................................................. 78

B. Saran ......................................................................................... 80

DAFTAR PUSTAKA

DAFTAR RIWAYAT PENDIDIKAN

LAMPIRAN-LAMPIRAN

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DAFTAR TABEL

Tabel 4.1 Daftar Nama dan Alamat Kantor Pemerintahan yang Ada di

Kecamatan Pucakwangi .............................................................. 57

Tabel 4.2 Perusahaan Menurut Jenis Usaha Tap Desa di Kecamatan

Pucakwangi ................................................................................. 59

Tabel 4.3 Sarana Perekonomian Tiap Desa di Kecamatan Pucakwangi..... 60

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DAFTAR GAMBAR

Gambar 2.1 Kerangka Berpikir ....................................................................... 47