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All Journal Jurnal Manajemen Pelayanan Publik Jurnal Kajian Peradaban Islam Jurnal Kajian Peradaban Islam Jurnal Ar Ro'is Mandalika (Armada)
Unga, Wa Ode Harliyanti
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Transportation

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Compliance with Sharia Principles in Property Business in Indonesia: An Analysis of Murabahah Contracts in Sharia Bank Mortgages Mahmud, La Ode; Pattih, Iskandar; Bakti, Bakti; Unga, Wa Ode Harliyanti; Elmabgoul, Abdallah
Islamic Research Vol 7 No 2 (2024): Islamic Research
Publisher : Perhimpunan Intelektual Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47076/jkpis.v7i2.295

Abstract

Abstract This study aims to evaluate the implementation of the Murabahah contract in Home Ownership Loans (KPR) by Islamic banks in Indonesia against Sharia principles. A qualitative analysis revealed that while the Murabahah contract is widely used, several practices do not fully comply with Sharia principles. These non-compliant practices include schemes resembling riba, selling products not yet owned, and inconsistencies in project management by Islamic banks. The findings indicate that adherence to Sharia principles significantly impacts customer trust and satisfaction, thereby affecting customer loyalty to Islamic banks. The study highlights the necessity for increased supervision and stricter application of Sharia principles in property transactions. The Sharia Supervisory Board (DPS) and transparency in reporting are crucial for maintaining integrity and trust in Islamic financial institutions. This research significantly contributes by identifying areas requiring improvement to ensure full compliance with Sharia principles in the property business, providing a solid foundation for developing Sharia-compliant property business practices.
Compliance with Sharia Principles in Property Business in Indonesia: An Analysis of Murabahah Contracts in Sharia Bank Mortgages Mahmud, La Ode; Pattih, Iskandar; Bakti, Bakti; Unga, Wa Ode Harliyanti; Elmabgoul, Abdallah
Islamic Research Vol 7 No 2 (2024): Islamic Research
Publisher : Perhimpunan Intelektual Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47076/jkpis.v7i2.295

Abstract

Abstract This study aims to evaluate the implementation of the Murabahah contract in Home Ownership Loans (KPR) by Islamic banks in Indonesia against Sharia principles. A qualitative analysis revealed that while the Murabahah contract is widely used, several practices do not fully comply with Sharia principles. These non-compliant practices include schemes resembling riba, selling products not yet owned, and inconsistencies in project management by Islamic banks. The findings indicate that adherence to Sharia principles significantly impacts customer trust and satisfaction, thereby affecting customer loyalty to Islamic banks. The study highlights the necessity for increased supervision and stricter application of Sharia principles in property transactions. The Sharia Supervisory Board (DPS) and transparency in reporting are crucial for maintaining integrity and trust in Islamic financial institutions. This research significantly contributes by identifying areas requiring improvement to ensure full compliance with Sharia principles in the property business, providing a solid foundation for developing Sharia-compliant property business practices.
Stakeholder Collaboration Assistance Model in Village Planning and Budgeting Jopang, Jopang; Tuwu, Darmin; Unga, Wa Ode Harliyanti; Darwin, La Ode Ahmad; Rosika, Rosika
Jurnal Manajemen Pelayanan Publik Vol 9, No 2 (2025): Jurnal Manajemen Pelayanan Publik
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/jmpp.v9i2.61415

Abstract

Village planning and budgeting in Indonesia is now reaping many problems, including human resources and the planning and budgeting model applied to several village heads in the country. One of the areas studied in Indonesia is Southeast Sulawesi Province with research locations in Muna Regency, namely 7 seaside villages and 8 non-seaside villages. This research aims to develop a collaborative mentoring model to improve the effectiveness of village planning and budgeting. This study uses a qualitative approach with a case study method in Muna Regency, Southeast Sulawesi, involving 15 villages with document analysis and in-depth interviews. Based on research that has been carried out, the village documents in Muna Regency already have village medium-term development plan documents, but most villages have expired village medium-term development plan documents. In addition, village assistance in budgeting has also not been maximized, such as the number of budgets in the field of community empowerment that are not planned in the deliberations of the village community development plan but then appear when the village revenue and expenditure budget changes and most of the activities are repeated for less than 4 (four) years. For an effective mentoring model in village planning and budgeting is the Stakeholders Collaborative Model in Village Planning and Budgeting in Muna Regency involving Ministries, Provincial Governments, Regency/City Regional Governments, District Governments, Village Community empowerment cadres and/or Third Parties.
The Impact of Green Economy Public Policy on Green Industry Sector Investment Idrus, Sitti Hairani; Jaya, Laode Muhammad Golok; Yusuf, Muhammad; Unga, Wa Ode Harliyanti; Bakti, Bakti
Jurnal Ar Ro'is Mandalika (Armada) Vol. 6 No. 1 (2026): JURNAL AR RO'IS MANDALIKA (ARMADA)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/armada.v6i1.5445

Abstract

This study explores the impact of green economy public policies on investment in the green industry sector. The transition to a green economy, driven by environmental sustainability goals, has led to significant policy changes aimed at promoting eco-friendly practices across various sectors. This research uses a qualitative literature review method to examine existing studies, reports, and academic papers on how public policies related to green economy initiatives influence investments in green industries. Key areas of focus include the role of government incentives, regulatory frameworks, market demand for sustainable products, and the financial risks and opportunities associated with green investments. The findings suggest that effective green economy policies can attract investments by providing financial incentives, reducing risks, and fostering innovation in clean technologies. However, challenges such as inadequate policy implementation, lack of awareness, and financial barriers still hinder the growth of green industry investments. This study contributes to the understanding of how green economy policies can shape investment flows in the green industry sector and provides recommendations for improving policy effectiveness to drive sustainable economic growth.
Co-Authors Bakti, Bakti Darwin, La Ode Ahmad Elmabgoul, Abdallah Idrus, Sitti Hairani Jaya, Laode Muhammad Golok jopang, jopang Mahmud, La Ode Muhammad Yusuf Pattih, Iskandar Rosika Rosika, Rosika Tuwu, Darmin