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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis CERATA
Sherli Ramadhani
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Economics, Econometrics & Finance Medicine & Pharmacology

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Analisis Komparatif Pembiayaan MMQ dan KPR Konvensional Ina Naila Sakinah; Sherli Ramadhani; Alfiyah Salwa Azizah; Muh Furqan Al Faruqi; Kamaruddin Kamaruddin
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 1 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i1.2778

Abstract

Musyarakah Mutanaqisah (MMQ) is a form of sharia-based financing that offers a home ownership solution free from elements of interest (riba). This article aims to analyze the application of the MMQ contract in housing finance, compare it with the conventional mortgage scheme (Kredit Pemilikan Rumah/KPR), and evaluate its impact on community welfare. This study employs a descriptive qualitative approach through literature review of academic sources, regulations, and other relevant data. The analysis shows that MMQ is superior in terms of compliance with Islamic principles, fairness in risk sharing, and flexibility in payment structure. Furthermore, the MMQ scheme contributes to the improvement of social and economic well-being, particularly for the lower-middleincome segment of society. Nevertheless, its implementation still faces challenges such as the risk of default and the need for strengthened risk management systems. Therefore, collaboration between Islamic financial j, the government, and the public is essential to optimize the potential of MMQ as a fair and sustainable alternative for home financing
Pengaruh Gelling Agent terhadap Sifat Fisik Gel Ekstrak Daun Ruku - Ruku (Ocimum tenuiflorum L.) Ningsih, Wida; Sherli Ramadhani; Fitri Wahyuni; Afdhil Arel
CERATA Jurnal Ilmu Farmasi Vol 16 No 2 (2025): Cerata Jurnal Ilmu Farmasi
Publisher : Universitas Muhammadiyah Klaten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61902/cerata.v16i2.1613

Abstract

Gel is one of the preparations used topically which is a semi-solid preparation consisting of a suspension of small inorganic particles and large organic particles penetrated by liquid. Gel formation requires additional materials called gelling agents. There are three types of gelling agents, derived from natural polymers, synthetic polymers and semisynthetic polymers. The gelling agent material is a natural polymer such as sodium alginate; semisynthetic polymers are sodium carboxymethylcellulose and synthetic polymers are carbomer 940. Purpose: This study aims to see the quality of ruku-ruku leaf extract with variations of gelling agents. The types of natural polymers used are Method: making ruku-ruku leaf extract by maceration method with 70% ethanol solvent and formulated into a gel preparation. The gel of ruku-ruku leaf extract was evaluated for its physical quality, cycling test and conducting antibacterial activity testing by agar diffusion in wells. Results: The quality of the physical properties of the gel produced from the three polymers of different origins showed a stable gel and met the requirements for the quality of the gel preparation. Conclusion: The type of gelling agent does not affect the quality of the gel preparation.
Co-Authors Afdhil Arel Alfiyah Salwa Azizah Fitri Wahyuni Ina Naila Sakinah Kamaruddin Kamaruddin Muh Furqan Al Faruqi Wida Ningsih