Pengaruh Pendapatan Anggota, Tingkat Pendidikan, Dan Jangka Waktu Terhadap Kelancaran Pengembalian Pembiayaan Murabahah (Studi Kasus Pada Anggota Koperasi BMT NU Sidayu)

This study aims to analyze the factors that influence the smoothness of murabahah financing repayment in the BMT NU Sidayu cooperative. The approach used is quantitative with primary data obtained through questionnaires from 75 active members of the cooperative. The analysis method in this study uses multiple linear regression analysis in the SPSS 26 for Windows program to determine the effect of each variable on the dependent variable, namely the level of smoothness of financing repayment. The results of the study show that each variable X has an effect on variable Y with a significance value guideline of <0.05 (less than 0.05) which means that the hypothesis is accepted. Member income has a positive and significant effect with a sig value of 0.000. Education level has a positive and significant effect with a sig value of 0.002, and time period has a positive and significant effect with a sig value of 0.000. This study is also limited to data obtained from information available when the study was conducted, so there is a possibility that it does not fully represent the overall condition. This research has value because it provides an understanding of the factors that influence the smoothness of murabahah financing returns, so that it can be used as a basis for improving customer assessment and management strategies in Islamic financial institutions.