Abstract

This study aims to analyze the factors that influence the low preference of culinary traders in choosing sharia financing in Bima City. This research was conducted using quantitative methods. The type of data in this study is primary data obtained through the distribution of questionnaires to culinary traders in the city of Bima. They have not chosen Islamic financing in Islamic banks. The number of samples in this study was 96 respondents. The analytical tool used is multiple linear regression analysis with the help of SPSS v.24 software. The independent variables of this study are knowledge, promotion, and religiosity, while the dependent variable is low preference. The results showed that knowledge, promotion, and religiosity had a positive and significant effect on the low preference of culinary traders in choosing sharia financing in Bima City. These findings need further research to identify other factors that will encourage the preference of culinary traders to take financing from Islamic banks.

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