BEYOND MORTGAGES: ISLAMIC LAW AND THE ETHICS OF CREDIT FINANCING FOR PUBLIC HOUSING
Having a home is essential for everyone, and the government created a program called Housing Loan (KPR) to help low-income people own a house. The Sharia State Savings Bank (BTN) is one of the banks that offer this program. This study aims to understand how KPR works at Bank BTN KCPS Pekalongan and...
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| Format: | UMS Journal (OJS) |
| Language: | eng |
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Universitas Muhammadiyah Surakarta
2023
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| Online Access: | https://journals2.ums.ac.id/index.php/profetika/article/view/1795 |
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| author | Apriantoro, Muhamad Subhi Puspa, Eis Rantika Yafi, Dandi Ibtihal Putri, Deast Amanda Irfan Rosyadi, Rozi |
| author_facet | Apriantoro, Muhamad Subhi Puspa, Eis Rantika Yafi, Dandi Ibtihal Putri, Deast Amanda Irfan Rosyadi, Rozi |
| author_sort | Apriantoro, Muhamad Subhi |
| collection | OJS |
| description | Having a home is essential for everyone, and the government created a program called Housing Loan (KPR) to help low-income people own a house. The Sharia State Savings Bank (BTN) is one of the banks that offer this program. This study aims to understand how KPR works at Bank BTN KCPS Pekalongan and how it aligns with Islamic law. This type of research is field research, which outlines and describes phenomena regarding the situation. In this case, the kind of research is qualitative. This research can also be considered sociological research because it is carried out directly in the field, and the data received will be evaluated inductively to make arguments for the KPR transaction system at BTN KCPS Pekalongan with Sharia principles and appropriate legislation. The study found that BTN KCPS Pekalongan uses murabahah and istishna sale and purchase contracts for KPR. Murabahah contracts are commonly used, and Istishna contracts are used for one product called KPR BTN Indent I.B. The study recommends that the bank introduce other Sharia KPR products to the public to increase awareness |
| format | UMS Journal (OJS) |
| id | oai:ojs2.journals2.ums.ac.id:article-1795 |
| institution | Universitas Muhammadiyah Surakarta |
| language | eng |
| publishDate | 2023 |
| publisher | Universitas Muhammadiyah Surakarta |
| record_format | ojs |
| spelling | oai:ojs2.journals2.ums.ac.id:article-1795 BEYOND MORTGAGES: ISLAMIC LAW AND THE ETHICS OF CREDIT FINANCING FOR PUBLIC HOUSING Apriantoro, Muhamad Subhi Puspa, Eis Rantika Yafi, Dandi Ibtihal Putri, Deast Amanda Irfan Rosyadi, Rozi housing taxation affordable housing banking marketing model economic development Having a home is essential for everyone, and the government created a program called Housing Loan (KPR) to help low-income people own a house. The Sharia State Savings Bank (BTN) is one of the banks that offer this program. This study aims to understand how KPR works at Bank BTN KCPS Pekalongan and how it aligns with Islamic law. This type of research is field research, which outlines and describes phenomena regarding the situation. In this case, the kind of research is qualitative. This research can also be considered sociological research because it is carried out directly in the field, and the data received will be evaluated inductively to make arguments for the KPR transaction system at BTN KCPS Pekalongan with Sharia principles and appropriate legislation. The study found that BTN KCPS Pekalongan uses murabahah and istishna sale and purchase contracts for KPR. Murabahah contracts are commonly used, and Istishna contracts are used for one product called KPR BTN Indent I.B. The study recommends that the bank introduce other Sharia KPR products to the public to increase awareness Universitas Muhammadiyah Surakarta 2023-08-05 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf text/xml https://journals2.ums.ac.id/index.php/profetika/article/view/1795 10.23917/profetika.v24i02.1795 Profetika: Jurnal Studi Islam; Vol. 24 No. 02 (2023): Profetika Jurnal Studi Islam 2023; 196-206 2541-4534 1411-0881 eng https://journals2.ums.ac.id/index.php/profetika/article/view/1795/1146 https://journals2.ums.ac.id/index.php/profetika/article/view/1795/1494 Copyright (c) 2023 Muhamad Subhi Apriantoro, Eis Rantika Puspa, Dandi Ibtihal Yafi, Deast Amanda Putri; Rozi Irfan Rosyadi https://creativecommons.org/licenses/by/4.0 |
| spellingShingle | housing taxation affordable housing banking marketing model economic development Apriantoro, Muhamad Subhi Puspa, Eis Rantika Yafi, Dandi Ibtihal Putri, Deast Amanda Irfan Rosyadi, Rozi BEYOND MORTGAGES: ISLAMIC LAW AND THE ETHICS OF CREDIT FINANCING FOR PUBLIC HOUSING |
| title | BEYOND MORTGAGES: ISLAMIC LAW AND THE ETHICS OF CREDIT FINANCING FOR PUBLIC HOUSING |
| title_full | BEYOND MORTGAGES: ISLAMIC LAW AND THE ETHICS OF CREDIT FINANCING FOR PUBLIC HOUSING |
| title_fullStr | BEYOND MORTGAGES: ISLAMIC LAW AND THE ETHICS OF CREDIT FINANCING FOR PUBLIC HOUSING |
| title_full_unstemmed | BEYOND MORTGAGES: ISLAMIC LAW AND THE ETHICS OF CREDIT FINANCING FOR PUBLIC HOUSING |
| title_short | BEYOND MORTGAGES: ISLAMIC LAW AND THE ETHICS OF CREDIT FINANCING FOR PUBLIC HOUSING |
| title_sort | beyond mortgages islamic law and the ethics of credit financing for public housing |
| topic | housing taxation affordable housing banking marketing model economic development |
| topic_facet | housing taxation affordable housing banking marketing model economic development |
| url | https://journals2.ums.ac.id/index.php/profetika/article/view/1795 |
| work_keys_str_mv | AT apriantoromuhamadsubhi beyondmortgagesislamiclawandtheethicsofcreditfinancingforpublichousing AT puspaeisrantika beyondmortgagesislamiclawandtheethicsofcreditfinancingforpublichousing AT yafidandiibtihal beyondmortgagesislamiclawandtheethicsofcreditfinancingforpublichousing AT putrideastamanda beyondmortgagesislamiclawandtheethicsofcreditfinancingforpublichousing AT irfanrosyadirozi beyondmortgagesislamiclawandtheethicsofcreditfinancingforpublichousing |