Article Sidebar
-
Fnancing Mechanism, Subsidized Housing, Sharia Service
Abstract
The research location is at Bank Sulselbar Parepare Branch which has a sharia service unit including subsidized housing finance services. Especially in financing. This research focuses on the contracts used in its implementation. In addition, it will also focus on financing mechanisms for subsidized housing ownership in sharia services. Similar to conventional banks that make pawning a banking product, Islamic banks also issue similar products. The presence of sharia products is certainly a relief for some people who care about religious law which prohibits the use of usury in every transaction. In this study, we will discuss the contracts and financing mechanisms for subsidized sharia official housing. The results of the study show that the contract used in the subsidized housing financing mechanism at Bank Sulselbar Syariah Services Parepare Branch is murabahah financing, namely buying and selling based on Islamic bank financial institutions and is applied in consumptive financing and real financing.
Full text article
References
Amin, H. (2022). Maqasid-based consumer preference index for Islamic home financing. International Journal of Ethics and Systems, 38(1), 47–67. https://doi.org/10.1108/IJOES-07-2020-0117
Behan, F. M., Iorio, F., Picco, G., Gonçalves, E., Beaver, C. M., Migliardi, G., Santos, R., Rao, Y., Sassi, F., Pinnelli, M., Ansari, R., Harper, S., Jackson, D. A., McRae, R., Pooley, R., Wilkinson, P., Van Der Meer, D., Dow, D., Buser-Doepner, C., … Garnett, M. J. (2019). Prioritization of cancer therapeutic targets using CRISPR–Cas9 screens. Nature, 568(7753), 511–516. https://doi.org/10.1038/s41586-019-1103-9
Belkhaoui, S., Alsagr, N., & Van Hemmen, S. F. (2020). Financing modes, risk, efficiency, and profitability in Islamic banks: Modeling for the GCC countries. Cogent Economics & Finance, 8(1), 1750258. https://doi.org/10.1080/23322039.2020.1750258
Bratman, G. N., Anderson, C. B., Berman, M. G., Cochran, B., De Vries, S., Flanders, J., Folke, C., Frumkin, H., Gross, J. J., Hartig, T., Kahn, P. H., Kuo, M., Lawler, J. J., Levin, P. S., Lindahl, T., Meyer-Lindenberg, A., Mitchell, R., Ouyang, Z., Roe, J., … Daily, G. C. (2019). Nature and mental health: An ecosystem service perspective. Science Advances, 5(7), eaax0903. https://doi.org/10.1126/sciadv.aax0903
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618. https://doi.org/10.1108/IJBM-09-2018-0256
Chen, S., Zhang, Z., Yang, J., Wang, J., Zhai, X., Bärnighausen, T., & Wang, C. (2020). Fangcang shelter hospitals: A novel concept for responding to public health emergencies. The Lancet, 395(10232), 1305–1314. https://doi.org/10.1016/S0140-6736(20)30744-3
Crini, G., Lichtfouse, E., Wilson, L. D., & Morin-Crini, N. (2019). Conventional and non-conventional adsorbents for wastewater treatment. Environmental Chemistry Letters, 17(1), 195–213. https://doi.org/10.1007/s10311-018-0786-8
Garriga, C., & Hedlund, A. (2020). Mortgage Debt, Consumption, and Illiquid Housing Markets in the Great Recession. American Economic Review, 110(6), 1603–1634. https://doi.org/10.1257/aer.20170772
Guo, J., & Huan, T. (2020). Comparison of Full-Scan, Data-Dependent, and Data-Independent Acquisition Modes in Liquid Chromatography–Mass Spectrometry-Based Untargeted Metabolomics. Analytical Chemistry, 92(12), 8072–8080. https://doi.org/10.1021/acs.analchem.9b05135
Hamilton, A. B., & Finley, E. P. (2019). Qualitative methods in implementation research: An introduction. Psychiatry Research, p. 280, 112516. https://doi.org/10.1016/j.psychres.2019.112516
Haubrock, P. J., Turbelin, A. J., Cuthbert, R. N., Novoa, A., Taylor, N. G., Angulo, E., Ballesteros-Mejia, L., Bodey, T. W., Capinha, C., Diagne, C., Essl, F., Golivets, M., Kirichenko, N., Kourantidou, M., Leroy, B., Renault, D., Verbrugge, L., & Courchamp, F. (2021). Economic costs of invasive alien species across Europe. NeoBiota, 67, 153–190. https://doi.org/10.3897/neobiota.67.58196
Hetz, C., Zhang, K., & Kaufman, R. J. (2020). Mechanisms, regulation, and functions of the unfolded protein response. Nature Reviews Molecular Cell Biology, 21(8), 421–438. https://doi.org/10.1038/s41580-020-0250-z
Hofman, M. S., Lawrentschuk, N., Francis, R. J., Tang, C., Vela, I., Thomas, P., Rutherford, N., Martin, J. M., Frydenberg, M., Shaker, R., Wong, L.-M., Taubman, K., Ting Lee, S., Hsiao, E., Roach, P., Nottage, M., Kirkwood, I., Hayne, D., Link, E., … Murphy, D. G. (2020). Prostate-specific membrane antigen PET-CT in patients with high-risk prostate cancer before curative-intent surgery or radiotherapy (proPSMA): A prospective, randomized, multicentre study. The Lancet, 395(10231), 1208–1216. https://doi.org/10.1016/S0140-6736(20)30314-7
Hu, Z., Song, C., Xu, C., Jin, G., Chen, Y., Xu, X., Ma, H., Chen, W., Lin, Y., Zheng, Y., Wang, J., Hu, Z., Yi, Y., & Shen, H. (2020). Clinical characteristics of 24 asymptomatic infections with COVID-19 screened among close contacts in Nanjing, China. Science China Life Sciences, 63(5), 706–711. https://doi.org/10.1007/s11427-020-1661-4
Jenkins, A. I. C., Fredman, S. J., Le, Y., Sun, X., Brick, T. R., Skinner, O. D., & McHale, S. M. (2020). Prospective associations between depressive symptoms and marital satisfaction in Black couples. Journal of Family Psychology, 34(1), 12–23. https://doi.org/10.1037/fam0000573
Kao, M.-F., Hodgkinson, L., & Jaafar, A. (2019). Ownership structure, board of directors and firm performance: Evidence from Taiwan. Corporate Governance: The International Journal of Business in Society, 19(1), 189–216. https://doi.org/10.1108/CG-04-2018-0144
Khalaf, O. I., & Abdulsahib, G. M. (2021). Optimized dynamic storage of data (ODSD) in IoT based on blockchain for wireless sensor networks. Peer-to-Peer Networking and Applications, 14(5), 2858–2873. https://doi.org/10.1007/s12083-021-01115-4
Khatib, S. F. A., Abdullah, D. F., Elamer, A. A., & Abueid, R. (2021). Nudging toward diversity in the boardroom: A systematic literature review of board diversity of financial institutions. Business Strategy and the Environment, 30(2), 985–1002. https://doi.org/10.1002/bse.2665
Klok, F. A., Kruip, M. J. H. A., Van Der Meer, N. J. M., Arbous, M. S., Gommers, D. A. M. P. J., Kant, K. M., Kaptein, F. H. J., Van Paassen, J., Stals, M. A. M., Huisman, M. V., & Endeman, H. (2020). Incidence of thrombotic complications in critically ill ICU patients with COVID-19. Thrombosis Research, 191, 145–147. https://doi.org/10.1016/j.thromres.2020.04.013
Li, C., Liu, Q., Kong, F., Guo, D., Zhai, J., Su, M., & Sun, D. (2019). Circulation and genetic diversity of Feline coronavirus type I and II from clinically healthy and FIP ?suspected cats in China. Transboundary and Emerging Diseases, 66(2), 763–775. https://doi.org/10.1111/tbed.13081
Livingston, L. A., Shah, P., & Happé, F. (2019). Compensatory strategies below the behavioral surface in autism: A qualitative study. The Lancet Psychiatry, 6(9), 766–777. https://doi.org/10.1016/S2215-0366(19)30224-X
Matoba, N., Suprenant, S., Rankin, K., Yu, H., & Collins, J. W. (2019). Mortgage discrimination and preterm birth among African American women: An exploratory study. Health & Place, p. 59, 102193. https://doi.org/10.1016/j.healthplace.2019.102193
Norström, A. V., Cvitanovic, C., Löf, M. F., West, S., Wyborn, C., Balvanera, P., Bednarek, A. T., Bennett, E. M., Biggs, R., De Bremond, A., Campbell, B. M., Canadell, J. G., Carpenter, S. R., Folke, C., Fulton, E. A., Gaffney, O., Gelcich, S., Jouffray, J.-B., Leach, M., … Österblom, H. (2020). Principles for knowledge co-production in sustainability research. Nature Sustainability, 3(3), 182–190. https://doi.org/10.1038/s41893-019-0448-2
Pompili, M., Hermans, S. L. N., Baier, S., Beukers, H. K. C., Humphreys, P. C., Schouten, R. N., Vermeulen, R. F. L., Tiggelman, M. J., Dos Santos Martins, L., Dirkse, B., Wehner, S., & Hanson, R. (2021). Realization of a multimode quantum network of remote solid-state qubits. Science, 372(6539), 259–264. https://doi.org/10.1126/science.abg1919
Pons, I., Renoz, F., Noël, C., & Hance, T. (2019). Plants mediate circulation of the Cultivable Symbiont Serratia Symbiotica in Aphids. Frontiers in Microbiology, 10, 764. https://doi.org/10.3389/fmicb.2019.00764
Rendon, A., & Schäkel, K. (2019). Psoriasis Pathogenesis and Treatment. International Journal of Molecular Sciences, 20(6), 1475. https://doi.org/10.3390/ijms20061475
Rodriguez-Mateos, A., Istas, G., Boschek, L., Feliciano, R. P., Mills, C. E., Boby, C., Gomez-Alonso, S., Milenkovic, D., & Heiss, C. (2019). Circulating Anthocyanin Metabolites Mediate Vascular Benefits of Blueberries: Insights From Randomized Controlled Trials, Metabolomics, and Nutrigenomics. The Journals of Gerontology: Series A, 74(7), 967–976. https://doi.org/10.1093/gerona/glz047
Sundler, A. J., Lindberg, E., Nilsson, C., & Palmér, L. (2019). Qualitative thematic analysis based on descriptive phenomenology. Nursing Open, nop2.275. https://doi.org/10.1002/nop2.275
the Precise4Q consortium, Amann, J., Blasimme, A., Vayena, E., Frey, D., & Madai, V. I. (2020). Explainability for artificial intelligence in healthcare: A multidisciplinary perspective. BMC Medical Informatics and Decision Making, 20(1), 310. https://doi.org/10.1186/s12911-020-01332-6
Uderhardt, S., Martins, A. J., Tsang, J. S., Lämmermann, T., & Germain, R. N. (2019). Resident Macrophages Cloak Tissue Microlesions to Prevent Neutrophil-Driven Inflammatory Damage. Cell, 177(3), 541-555.e17. https://doi.org/10.1016/j.cell.2019.02.028
VanderWeele, T. J. (2019). Principles of confounder selection. European Journal of Epidemiology, 34(3), 211–219. https://doi.org/10.1007/s10654-019-00494-6
Xiao, J.-D., & Jiang, H.-L. (2019). Metal–Organic Frameworks for Photocatalysis and Photothermal Catalysis. Accounts of Chemical Research, 52(2), 356–366. https://doi.org/10.1021/acs.accounts.8b00521
Yang, Y., Gao, Z., Xue, H., Zhang, L., He, M., Yang, Z., Singh, R., Chong, Y., Zhang, B., & Chen, H. (2019). Realization of a three-dimensional photonic topological insulator. Nature, 565(7741), 622–626. https://doi.org/10.1038/s41586-018-0829-0
Yoon, J. W., Kim, Y. G., Choi, I. W., Sung, J. H., Lee, H. W., Lee, S. K., & Nam, C. H. (2021). Realization of laser intensity over 10 23 W/cm 2. Optica, 8(5), 630. https://doi.org/10.1364/OPTICA.420520
Authors
Copyright (c) 2023 Desy Arumi Sunarta, Sarkissian Catherine, Moatti Dylan, Frances Alon
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
