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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Jurnal EMT KITA SEIKO : Journal of Management & Business EQIEN - JURNAL EKONOMI DAN BISNIS Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Journal of Humanities and Social Studies Almana : Jurnal Manajemen dan Bisnis At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam International Journal of Economics, Business and Accounting Research (IJEBAR) Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business Jurnal Sains dan Teknologi Ilomata International Journal of Management LAN TABUR: Jurnal Ekonomi Syari’ah BASKARA: Journal of Business and Entrepreneurship EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management JURNAL MANAJEMEN AKUNTANSI (JUMSI) Jurnal Media Informatika International Journal of Education, Social Studies, And Management (IJESSM) Bima Journal : Business, Management and Accounting Journal Humantech : Jurnal Ilmiah Multidisiplin Indonesia Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Journal of Student Development Informatics Management (JoSDIM) Jurnal Ekonomika Dan Bisnis Balance : Jurnal Akuntansi dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Amkop Management Accounting Review (AMAR) IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JER ManBiz: Journal of Management and Business Mesada: Journal of Innovative Research Journal of Ekonomics, Finance, and Management Studies As-Syirkah: Islamic Economic & Financial Journal
Harahap, Rahmat Daim
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Journal : Journal of Social Commerce

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Strategic Disconnection in Islamic Mortgage Finance amid Socially Mediated Consumer Expectations Dalimunthe, Fitriyani; Nasution, Muhammad Lathief Ilhamy; Harahap, Rahmat Daim
Journal of Social Commerce Vol. 5 No. 1 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i1.152

Abstract

This paper carries out a critical analysis of the strategic performance and institutional articulation of the IB Griya mortgage financing product of PT. Bank Indoswara BNI Batam. Partly because the product is structurally sound, based on the Murabahah contract, and entirely compliant with the sharia related legal norms, continuing and inefficient performance in terms of meeting financing objectives illustrates more fundamental institutional morbidity. This study identifies five interlinked weaknesses through a qualitative approach of a case study method by combining in-depth interviews, an analysis of documents, and observations in the field, where five interconnected weaknesses are revealed including product-market inhomogeneity, inflexible and behaviorally inconsistent pricing policy, ineffective promotion communication, socially indifferent service provision, and an extreme lack of strategic planning and partnership building. Instead of blaming the macroeconomic fluctuation or consumer lack of knowledge, the results identify the issue on the epistemic structure and strategic culture within the institution. This paper maintains that Islamic mortgage finance will not perform based on mere juridical legitimation; however, it would be supported by the strategic reflexivity, relationship sense of trust development, emotional consistent service designing, and institutional behaviours run through the communities. So as evidenced by the case of IB Griya, unless it expands the narrative resonance, user-centric programming and multi-actor ecosystems of partnerships, there is a danger that sharia-compliant goods will become morally good, yet behaviorally peripheral.
Co-Authors ,., yusrizal ADITYA NUGRAHA Agung Nugraha Albani Nst , M. Syukri Ananti, Aurensia Andri Soemitra Andriani, Atika Anggraini, Tessa Anggriani, Erni Apriliani, Nurhalimah Aqwa Naser Daulay Arifin Fauzi Lubis Atmaja, Ardi Azhari, Dhea Maura Batubara, Indah Purnama Batubara, Soraya Alyya Syam Berutu, Irsyadiah Dermaini Bi Rahmani, Nur Ahmadi Br Tarigan, Emi Yani Teta Dalimunthe, Fitriyani Daulay, Aisy Salwa Dhalimunthe, Ahmad Amin Dharma, Budi Endang Kurniawati, Endang H, Masliannur. Hafiza, Dara Hafnifa, Chairin Hakim, Ahkamil Harahap, Agung Setiawan Harahap, Hasyim Thahara Harahap, Muhammad Ikhsan Hasibuan, Fauzan Fahmi Hasibuan, Hamidah Rohimah Hasibuan, Patimah Hendra Harmain Imsar Imsar, Imsar Indahsari, Lily Nur Indradewa, Rhian Isna Fauziah, Isna Julita Julita Laylan Syafina Lazura, Sofia Lubis, Nadratul Hasanah M. Ridwan Mahvi, Muhammad Rizky Makarim, Naylatussalwa Marhamah, Adelia Marliana Marliana, Marliana Marliyah Marliyah, Marliyah Mawadda, Shinta Metuah, Marpirah Mufti, Muhammad Ikhsan Muhammad Arif Muhammad Lathief Ilhamy Nasution muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Mulyani, Seri Munthe, Yuli Noviah Nasution, Anisah Salsabila Nasution, Dini Andriani Nasution, Ferdi Dermawan Nasution, Juliana Nasution, Rahmad Mulia Tama Nurhudiani, Bella Nuri Aslami Nurul Jannah Padlan, Rizky Panjaitan, Latifah Hanum Br Purba, Ice Rahwani Putri, Andini Eka Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Ramadani, Feni Ramadhani, Hafiz Aryo Ramadhani, Nabila Ramadhani, Sri Ripaldo Hasibuan, Muhammad Rezki Rokan, Mustafa Kamal Sabrinasyah, Ajengesti Latifah Sani, Sri Aderafika Sardini, Syafira Sari, Riski Ardila Siregar, Khairunnisa Siregar, Rizky Ananda Dafitra Siregar, Wardah Hinayah sri sudiarti Sugianto Sugianto Suwarni Suwarni Syari, Meilya Evita Tinambunan, Siti May Sarah Tuti Anggraini Wahyu Syarvina Wardani, Aisyatul Windari, Fitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuditia, Oppi Yolanda Yunni, Yunni Zainarti Zainarti Zuhrinal M. Nawawi Zulfarahmi, Zulfarahmi