Andrey Naufal Arrizki, . (2025) KAJIAN BISNIS DAN STRATEGI PENGEMBANGAN PRODUK PEMBIAYAAN PERUMAHAN BERBASIS ISTISHNA’ PADA BPRS AL SALAAM. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
This study evaluates the implementation and development strategy of housing financing products based on Istishna’ contract at BPRS Al Salaam. Using a qualitative method with a case study approach, data was collected through interviews, observations, and documentation involving customers, employees, and academics. The findings reveal that the Istishna’ contract implementation aligns with DSN MUI Fatwa No. 6 of 2000. The contract offers flexibility in payment and home customization based on customer preferences, positioning it as an innovative alternative compared to Murabahah. However, challenges such as low financial literacy, mismatch risks, and limited project supervision remain. Solutions proposed include digital monitoring platforms, enhanced customer education, and strategic partnerships with trusted developers. While limited to a single case, this study underscores the potential of Istishna’ contracts to advance sharia housing finance in Indonesia and offers actionable recommendations for product innovation and risk mitigation strategies. Future research could expand the scope to include comparative and quantitative analysis to deepen insights.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | [No.Panggil: 2110116075] [Pembimbing: Faizi] [Penguji 1: Ade Nur Rohim] [Penguji 2: Fadhli Suko Wiryanto] |
| Uncontrolled Keywords: | BPRS, DSN MUI fatwa, home financing, istishna’ contract, product development. |
| Subjects: | B Philosophy. Psychology. Religion > BL Religion B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc H Social Sciences > HB Economic Theory H Social Sciences > HG Finance K Law > K Law (General) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Ekonomi Syariah (S1) |
| Depositing User: | ANDREY NAUFAL ARRIZKI |
| Date Deposited: | 21 Feb 2025 03:04 |
| Last Modified: | 21 Feb 2025 03:04 |
| URI: | http://repository.upnvj.ac.id/id/eprint/34969 |
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