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All Journal Al-Kharaj: Journal of Islamic Economic and Business Sharef: Journal of Sharia Economics and Finance
Muhammad Syauqi
Institut Al Fithrah Surabaya
Economics, Econometrics & Finance

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Analysis of the Subsidized Mortgage Program for High-Income Communities Low at Bank Syariah Indonesia KCP Surabaya Manukan Maulida Vina Alfansyah; Muhammad Syauqi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10569

Abstract

This study aim for analyze implementation of the credit program Subsidized Home Ownership (KPR) for the community earning low at Bank Syariah Indonesia (BSI) KCP Surabaya Manukan. Research This focused on the program implementation process, the benefits obtained customers, as well as obstacles faced​ in implementation financing House subsidy Sharia- based research use approach descriptive qualitative. Subject study consists of on account officers, financing marketing, and customers recipient selected subsidized mortgage financing​ use the study used purposive sampling technique. Data collection techniques were conducted through semi-structured interviews, observation, and documentation. The data obtained were analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which includes data reduction, data presentation, and conclusion drawing. The results of the study indicate that the implementation of the subsidized mortgage program at BSI KCP Surabaya Manukan has been carried out systematically through the stages of customer education, document verification, field surveys, and murabahah contracts. The program has had a positive impact on low-income communities, especially in increasing access to affordable housing ownership, creating family economic stability, and improving community welfare. However, the program implementation still faces several obstacles, such as low public literacy regarding sharia financing, customer income instability, incomplete administrative documents, and limited availability of subsidized housing units. This study implies that the success of the sharia subsidized mortgage program requires stronger synergy between banks, developers, and the government, as well as increased public education regarding sharia financing products. Future research is recommended to expand the research location and use a mixed methods approach to obtain more comprehensive results regarding the effectiveness of the sharia subsidized housing financing program in Indonesia.
Pengaruh Perilaku Keuangan & Self Control Keuangan Terhadap Minat Investasi Pada Generasi Z Rizqi Abdullah; Muhammad Syauqi
Sharef: Journal of Sharia Economics and Finance Vol 4 No 2 (2026): Journal of Sharia Economics and Finance Vol. 4 No. 2 (2026)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jsef.v4i2.2019

Abstract

Kemajuan teknologi digital telah meningkatkan aktivitas investasi di kalangan Generasi Z, khususnya melalui pemanfaatan berbagai platform keuangan digital. Akses ke layanan keuangan memang mudah, tetapi banyak orang yang masih kurang memiliki disiplin diri dan pengetahuan untuk mengelola uang mereka dengan baik. Tujuannya studi ini guna melihat pengaruhnya perilaku keuangan dan self control keuangan pada minat investasi pada Gen Z mahasiswa Program Studi Perbankan Syariah Institut Al Fithrah Surabaya. Metodologi riset yang dipakai dalam studi ini bersifat kuantitatif dan didasarkan pada pengamatan lapangan. Dengan menggunakan teknik pengambilan sampel saturasi, sebanyak 61 siswa ikut serta dalam survei. Kuesioner dibagikan untuk mengumpulkan data bagi studi ini, yang kemudian dianalisa menggunakan SPSS untuk analisa regresi linier berganda. Hasil penelitian menunjukkan bahwa perilaku keuangan memberikan pengaruh positif dan signifikan terhadap minat investasi, yang ditunjukkan oleh nilai signifikansi sebesar 0,031 < 0,05. Selain itu, self control keuangan juga terbukti berpengaruh positif dan signifikan terhadap minat investasi dengan nilai signifikansi 0,002 < 0,05. Secara bersama-sama, kedua variabel tersebut memiliki pengaruh signifikan terhadap minat investasi dengan nilai signifikansi F sebesar 0,000 < 0,05 serta nilai R Square yakni 0,440. Temuan studi ini mengindikasikan bahwa kemampuan dalam mengelola keuangan dan pengendalian diri yang baik mampu meningkatkan minat investasi pada Generasi Z. Oleh sebab itu, penguatan perilaku keuangan dan self control menjadi faktor penting dalam membangun kesadaran investasi mahasiswa secara berkesinambungan.
Co-Authors Maulida Vina Alfansyah Rizqi Abdullah