Penelitian “Pengaruh 5C (Character,Capacity, Capital, Collateral Dan Condition Of Economy) Terhadap Jangka Waktu Pengembalian Pembiayaan Mura>bahahPada KJKS BMT Mandiri Sejahtera Karangcangkring Dukun Gresik JawaTimur” dilatarbelakangi oleh unsur-unsur 5C (character, capacity, capital, collateral dan condition of economy) dalam pemberian pembiayaan mura>bahah. Adapun rumusan masalah diantaranya, 1.Apakah variabel 5C (character, capacity, capital, collateraldancondition of economy) berpengaruh terhadap jangka waktu pengembalian pembiayaan mura>bahah pada KJKS BMT Mandiri Sejahtera Karangcangkring Dukun Gresik JawaTimur? 2. Variabel manakah yang lebih dominan berpengaruh terhadap jangka waktu pengembalian pembiayaan mura>bahah pada KJKS BMT Mandiri Sejahtera Karangcangkring Dukun Gresik Jawa Timur? Penelitian ini menggunakan jenis penelitian kuantitatif dengan teknik analisis data menggunakan analisis regresi linier berganda. Penelitian berfokus pada hubungan antar variable dependent dengan variable independent. Variable dependent pada penelitian adalah jangka waktu pengembalian pembiayaan mura>bahah, variable independent adalah 5C (character, capacity, capital, collateraldan condition of economy). Hasil penelitian menunjukkan bahwa: 1)variable character dan variabel capacity berpengaruh signifikan terhadap jangka waktu pengembalian pembiayaan mura>bahah sedangkan variabel capital, collateral dan condition of economy tidak berpengaruh signifikan terhadap jangka waktu pengembalian pembiayaan mura>bahah. Hal ini terlihat dari hasil pengujian data character: 0,051, capacity: 0,004, capital: 0,580, collateral: 0,925 dan condition of economy: 0,958 dan dari kelima variable tersebut yang mempunyai nilai signifikan < 0,10 adalah variable character dan variabel capacity. Sedangkan variable lainnya, capital, collateral dan condition of economy mempunyai nilai signifikan > 0,10. 2)capacity mempunyai pengaruh dominan terhadap jangka waktu pengembalian pembiayaan mura>bahahsebesar 40,5% Kata Kunci:5C (Character, Capacity, Capital, Collateral dan Condition of Economy),Jangka Waktu Pengembalian, Pembiayaan Mura>bahah.

Research “The Influence of 5C (Character, Capacity, Capital, Collateral and Condition of Economy) to The Time Range of Mura>bahah Returnat KJKS BMT Mandiri Sejahtera KarangcangkringDukunGresikEast Java” is causedby 5C elements (Character, Capacity,Capital, Collateral and Condition of Economy) in giving mura>bahah return. The statements of problem are 1. Do 5C variables (Character, Capacity, Capital, Collateral and Condition of Economy) influence the time range of mura>bahah return at KJKS BMT Mandiri Sejahtera KarangcangkringDukun Gresik East Java? 2. Which variable does dominantly influence the time range of mura>bahah return at KJKS BMT Mandiri Sejahtera KarangcangkringDukun Gresik East Java? This research uses quantitative research with data analysis technique using double regression linier analysis. The research is focused on the relation between dependent variable and independent variable. Dependent variable of this research is the time range of mura>bahahreturn , independent variable of thisresearch is 5C (Character, Capacity, Capital, Collateral and Condition of Economy). The result of research shows that: 1) character variable and capacity variable have a significant influence to the time range of mura>bahah return whereas capital, collateral and condition of economy variable have no significant influence to the time range of murabahah return. It’s shown by the result of data testing character: 0.051, capacity: 0.004, capital: 0.580, collateral: 0.925 and condition of economy: 0.958 and from those five variables which have significant value 0.10 are character and capacity variable. Meanwhile the other variable, capital, collateral, and condition of economy have significant value0.10. 2) capacity has a dominant influence to the time rangeof mura>bahah return 40.5%. Keywords: 5C(Character, Capacity, Capital, Collateral and Condition of Economy), The Time Rangeof Mura>bahah Return, Mura>bahah.

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