This study aims to analyze perceptions of profit sharing systems, earnings
perceptions, earnings perceptions, perceptions of interest rates and financial
literacy on mudharabah financing decisions for customers of the Micro Small
Medium Enterprises (MSME) Baitul Maal WatTamwil (BMT) affiliated with
Muhammadiyah in Banyumas Regency. Data collection techniques using a
questionnaire. Determination of the sample in this study using purposive
sampling. Based on the criteria, there are 102 data that can be sampled. Data
analysis uses multiple linear regression. The results of this study indicate that the
perception of profit sharing system partially has a significant positive effect on
mudharabah financing decisions. Perception of interest rates has a significant
negative effect on mudharabah financing decisions, while perceptions of profit
and financial literacy do not have a significant positive effect on mudharabah
financing decisions.