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All Journal Jurnal SOLMA Al-Muzara'ah SENTRALISASI Profita : Komunikasi Ilmiah dan Perpajakan Jurnal Abdi Masyarakat (JAM) Jurnal Pemberdayaan Masyarakat Universitas Al Azhar Indonesia Proceeding of National Conference on Accounting & Finance Indonesian Journal of Cultural and Community Development Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Mohamad Torik Langlang Buana
Universitas Mercu Buana
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Readiness of Road Project Contractors to Use Musharakah: Evidence from Jakarta (Qualitative Study) Buana, Mohamad Torik Langlang; Dali, Nuradli Ridzwan Shah Mohd; Amrizal, Amrizal; Saratian, Eko Tama Putra
AL-MUZARA'AH Vol. 13 No. 2 (2025): AL-MUZARA'AH (December 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.2.189-199

Abstract

The Islamic banking industry in Indonesia has received full support from the government, manifested in comprehensive policies, e.g., Islamic Banking Roadmap, Islamic Finance Architecture and other programs. The government is also focusing on infrastructure development, including roads. The success of this program is determined mainly by construction services companies or contractors. During the last 10 years, on average there have been more than 200,000 contractors in Indonesia. Musharakah is suitable for construction companies because its characteristics are similar to their work model, namely cooperation. This study aims to determine the readiness of contractors to use musharakah financing. It employed the qualitative method. The sample was private infrastructure contractors in Jakarta working on national road projects. Data was collected through interviews. The study revealed that many private contractors were not familiar with musharakah financing because of their low awareness of Islamic banks. The study suggests that Islamic banks should make initiatives to serve the corporate segment. By combining information from different entities, the results offer valuable insights into how the contractors are a potential segment for Islamic banks, a segment that is currently the government's priority.
Co-Authors Agus Sriyanto Amrizal Amrizal Dali, Nuradli Ridzwan Shah Mohd Deden Tarmidi Eko Tama Putra Saratian Fardinal, Fardinal Hafzan Mohd Dali, Nuradli Ridzwan Shah Muhammad Nashar SAIFUL ANWAR Sapian, Safeza Mohd Sinambela, Tongam Sofyan Halim Taufik Akbar Yananto Mihadi Putra