Customer Preferences in Selecting Types of Financing Contracts in Islamic Banks (A Case Study of Istishna and Salam Contracts)

This research aims to analyze customer preferences in selecting types of financing contracts in Islamic banks, specifically in the contracts of Istishna and Salam. The research methodology used is a qualitative approach with data collection techniques through depth interviews. Participants in this research are customers of Islamic banks who have used Istishna and Salam contracts as a source of financing. Data analysis is performed through the process of data reduction, display, and verification. The results show that most customers of Islamic banks prefer Istishna contracts over Salam contracts. This is due to several factors, including ease of the process, level of trust, lower risk, and availability of guaranteed goods. Although Salam contracts have other advantages, such as cheaper prices and more controlled risks, customers still prefer Istishna contracts. The implication of this research is that Islamic banks need to provide better services in the financing process of Salam contracts and increase the availability of goods so that customers are more interested in using this type of contract