Journal of Innovation Research and Knowledge
Vol. 4 No. 11: April 2025

REMODELLING MUSHARAKAH MUTANAQISHAH CONCEPT: CASE HOME EQUITY REFINANCING

Hardiansyah, Hardiansyah (Unknown)
Septiano Abdillah Baysonni (Unknown)
Wirman, Wirman (Unknown)
Ade Wirman (Unknown)
Ade Ananto Terminanto (Unknown)

Article Info

Publish Date
09 Apr 2025

Abstract

This paper aims to remodel musharakah Mutanaqishah to transform your home equity into real wealth without taking on debt and riba-free, compared with the existing Musharakah Mutanaqishah (MMQ) in the Islamic Financial Institution (IFI)  model. This study uses secondary data and Islamic literature. We use simulation data to explain the proposed model. The calculation will be based on the risk-adjusted cost of capital for the capital eligible to finance. The results show that this proposed model through Islamic Finance can be an alternative financing method due to its ease and reliability, especially for Islamic fintech, which has a different business model from banking

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Journal Info
Journal of Innovation Research and Knowledge
Website

Abbrev

JIRK

Publisher

bajang Institute

Subject

Humanities Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences

Description

Journal of Innovation Research and Knowledge, published by Bajang Institute. Published in two formats, print and online, print version of ISSN: 2798-3471 and the online version of ISSN: 798-3641, both of which are published every month. The scope of the journal studies broadly includes: Culture (a ...