Comparative Analysis of Cash Buying and Murābaḥah Financing in Housing Transactions: Evidence from Green Mutiara Housing Banyumas Regency
DOI:
https://doi.org/10.32506/joes.v2i1.463Keywords:
purchase of house, Murābaḥah Financing , Housing TransactionsAbstract
The results of research conducted that in the process of purchasing cash housing Mutiara Hijau Tambaksogra At PT. Graha Perwira Pratama there are two that is credit and cash, home purchase in cash applied by PT. Graha Perwira Pratama branch of Housing Mutiara Hijau Tambaksogra Kembaran Sub-district of Banyumas Regency, there are two ways, namely: hard cash and gradually, while crediting in the application of payment with credit in green pearl housing Tambaksogra involves the bank through mortgage loan program and Financing Murabaha in Sharia Bank. In the murabaha method, the bank pays the home repayment to the developer. Comparison Purchase home in cash cheaper price, easier process, no administrative fees, free from the rules and more secure, while home purchase on credit does not need to save large amounts to buy a house, enough money to pay the down payment only and the greater the down payment or the longer the repayment period, the installment will become cheaper.
Downloads
References
Abdillah, J. (2019). Ilmu Fiqih Pemasaran (Sisi Lain Nabi Muhammad SAW Sebagai Pemasar) (R. Fibrianie, Ed.). Semarang: eLSA Press.
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211.
Alserhan, B. A. (2011). The principles of Islamic marketing. Gower Publishing.
Ananda, F. R. (2021). Berbisnis dengan etika, ini 5 konsep marketing yang dilakukan Nabi Muhammad SAW: Okezone Economy. Available at: [https://economy.okezone.com/read/2021/04/13/455/2394129/berbisnis-dengan-etika-ini-5-konsep-marketing-yang-dilakukan-nabi-muhammad-saw](https://economy.okezone.com/read/2021/04/13/455/2394129/berbisnis-dengan-etika-ini-5-konsep-marketing-yang-dilakukan-nabi-muhammad-saw) (Accessed 12 January 2022).
Ariani, D., & Fauzi, A. (2022). The role of marketing and ethical management in affordable housing. Journal of Development and Business Studies, 6(3), 211–226.
Baraja, R. R., & Fariyanti, A. (2018). Analisis persepsi dan preferensi konsumen terhadap daging sapi beku di Maradeka Beef Bogor.
Dianti, N., & Widati, E. (2020). Evaluasi strategi pemasaran dalam usaha mikro Soto Mie Bogor. Jurnal Usaha, 1(1), 35–50.
Dusuki, A. W. (2020). Maqasid al-Shariah and the development of Islamic economics. Kuala Lumpur: IIUM Press.
Fajriyah, L. W. (2018). Strategi pemasaran dalam meningkatkan penjualan Tahu Baxo Ibu Pudji Ungaran dalam perspektif ekonomi Islam. Skripsi FEBI UIN Walisongo.
Fatihudin, D., & Firmansyah, A. (2019). Pemasaran jasa (strategi, mengukur kepuasan dan loyalitas pelanggan). Yogyakarta: Deepublish.
Hidayat, T. R. (2019). Preferensi konsumen membeli daging sapi lokal versus daging sapi impor (studi kasus pada Pasar Senen Jaya, Blok III Jakarta). Journal of STEI Ekonomi, XX(XX), 1–31.
Hidayati, F., & Gusteti, Y. (2016). Analisis preferensi konsumen dalam membeli daging sapi di Pasar Ternak Gunung Medan, Kabupaten Dharmasraya, Sumatera Barat. AGRIMETA: Jurnal Pertanian Berbasis Keseimbangan Ekosistem, 6(12), 93–103.
Inayah, N., Nugraha, A. T., & Musti, M. I. S. (2021). Pengantar kewirausahaan (mengenal, memahami, dan mencintai dunia bisnis) (Giovanny, Ed.). Yogyakarta: Andi.
Indrawati, Hutami, R. F., & Octavia, D. (2019). Marketing for non-marketing managers. Jakarta: PT Elex Media Komputindo.
Jakarta Daily. (2023). BRI expands affordable housing loans through FLPP to support inclusive homeownership across Indonesia. Jakarta Daily, July 2023.
Kasymir, D. A., Haryono, D., & Prayitno, R. T. (2019). Strategi pemasaran PT Sayuran Siap Saji Kabupaten Bogor Jawa Barat. Jurnal Ilmu Agribisnis, 7(3), 306–313.
Khan, M. T., & Al-Hyari, K. (2012). Ethical marketing in Islam. Asian Journal of Business and Management Sciences, 1(10), 34–43.
Maharani, P. (2021). Analisis penerapan etika bisnis Islam dalam pelaksanaan penjualan sapi di Pasar Ternak Batusangkar. Skripsi FEBI IAIN Batusangkar.
Marina, A., Wahjono, S. I., Syaban, M., et al. (2017). Sistem informasi akuntansi (teori dan praktikal). Surabaya: UMSurabaya Publishing.
McCarthy, E. J. (1960). Basic marketing: A managerial approach. Homewood, IL: Richard D. Irwin.
Ministry of Public Works and Housing. (2023). Laporan tahunan pembiayaan perumahan dan permukiman. Jakarta: PUPR.
Morgan, R. M., & Hunt, S. D. (1994). The commitment-trust theory of relationship marketing. Journal of Marketing, 58(3), 20–38.
Mulyani. (2019). Strategi pemasaran untuk meningkatkan penjualan pada Rumah Makan Bakmi Witosari 2 Purwokerto Timur. Skripsi FEBI IAIN Purwokerto.
Nasution, R., et al. (2023). Sharia home financing and consumer trust in Indonesia: A behavioral perspective. Journal of Islamic Finance and Policy Studies, 8(2), 55–72.
Nursyam, F., & Ismail, M. (2024). Determinants of choosing Sharia home financing in Indonesia. International Journal of Halal Management and Applications, 4(1), 34–47.
Pratama, H., & Rachman, R. (2024). Evaluating the SiKasep system for housing subsidies in Indonesia: Challenges and opportunities. Asian Urban Policy Journal, 3(1), 45–63.
Ramang, A. A. (2021). Strategi pemasaran daging sapi di CV. Awal Putra Ma Rangga Malili. Skripsi Fakultas Peternakan Unhas Makassar.
Saad, M., & Al-Rahman, A. (2024). Ethical property development and Maqasid al-Shariah: Integrating sustainability and welfare. Asian Journal of Islamic Economics and Management, 5(1), 11–29.
Saeed, M., Ahmed, Z. U., & Mukhtar, S. M. (2001). International marketing ethics from an Islamic perspective: A value-maximization approach. Journal of Business Ethics, 32(2), 127–142.
Statistik, B. P. (2020). Produksi daging sapi menurut provinsi (ton), 2018–2020. Available at: [https://www.bps.go.id/indicator/24/480/1/produksi-daging-sapi-menurut-provinsi.html](https://www.bps.go.id/indicator/24/480/1/produksi-daging-sapi-menurut-provinsi.html) (Accessed 10 January 2022).
Suindratwati. (2015). Strategi pemasaran Islami dalam meningkatkan penjualan: Studi kasus Toko Jesy Busana Muslim Bapangan Mendenrejo Blora. Skripsi FEBI UIN Walisongo.
Sula, M. S. (2006). Syariah marketing. Bandung: Mizan Pustaka.
UN-Habitat. (2023). World cities report 2023: Financing sustainable urban futures. Nairobi: United Nations Human Settlements Programme.
Wilson, J. A. J., & Liu, J. (2011). The challenges of Islamic branding: Navigating emotions and halal. Journal of Islamic Marketing, 2(1), 28–42.
Yuliani, T. (2023). Developer marketing strategies in affordable housing: Lessons from Indonesia’s real estate sector. Jurnal Ekonomi dan Bisnis Indonesia, 38 (4), 285–301.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2018 Journal of Economicate Studies
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
