PERILAKU DEBITUR DALAM MENENTUKAN PEMBIAYAAN SYARIAH (STUDI KASUS PADA BEBERAPA BPRS DI WILAYAH TANGERANG DAN BEKASI)

Syariah banking as one of increasing financial institution is hoped to be one of the alternative solution to overcome the economic crisis in Indonesia. It is due to the fact of the bank’s capability to survive during the crisis where most of the conventional banks experienced bankruptcy which was caused by the high rate of interest resulting in the liquidity weaken. The positive impact of the syariah banking existence is the effective of the intermediary function of a bank,that is financing allocation at real sektor resulting in 100 % of Loan to Deposite Ratio (LDR) amount. This has a direct influence in developing the community’s economy and in reducing the unemployment number. Theoritically, the high amount of LDR has a positive correlation to credit risk a research on the debtor behavior and faktor influencing them in determining the syariah financing is conducted so that the default risk can be minimize. Key word: debitor behavior, syariah banking