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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Journal Transformation of Mandalika
Sherli Ramadhani
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Economics, Econometrics & Finance Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Medicine & Pharmacology Physics

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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
Representasi tindak tutur netizen dalam kasus mahasiswa UIN sultan syarif kasim riau di media sosial: perspektif pragmatik austin Jail keni Aguselin Sembiring; Berlian Serevina Harianja; Jufrikhan Manca Nurrin; Sri Lestari Putri Mulyani Harahap; Sherli Ramadhani; M. Oky f. Gafari; Herning Puspitarini
Journal Transformation of Mandalika, e-ISSN: 2745-5882, p-ISSN: 2962-2956 Vol. 7 No. 4 (2026): April
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/jtm.v7i4.6308

Abstract

This study aims to examine the types of speech acts found in netizen comments on the social media platform TikTok related to the Fara and Reyhan case. The virality of the case illustrates that social media functions not only as a medium for disseminating information but also as a platform for shaping public opinion through language. This study used a qualitative approach with descriptive methods and adopted J.L. Austin's speech act theory, which encompasses locutionary, illocutionary, and perlocutionary acts. The data analyzed consisted of netizen comments collected from TikTok videos discussing the case. The research findings indicate that locutionary speech acts play a role in conveying information or opinions explicitly without hidden meanings. Illocutionary speech acts are used to express specific intentions, such as providing support, criticism, suggestions, and demonstrating partisanship. Meanwhile, perlocutionary speech acts demonstrate the impact or effect felt by the reader, such as the emergence of sympathy, fear, or a specific evaluation. Overall, the results of this study confirm that netizen comments on social media play a significant role in shaping public views of an event. Therefore, it is important to raise awareness of language use and digital literacy so that communication on social media can be more tactful and constructive
Co-Authors Alfiyah Salwa Azizah Berlian Serevina Harianja Herning Puspitarini Ina Naila Sakinah Jail keni Aguselin Sembiring Jufrikhan Manca Nurrin M. Oky F. Gafari M. Yogi Riyantama Isjoni Muh Furqan Al Faruqi Sri Lestari Putri Mulyani Harahap