scholarly journals MUSHARAKAH MUTANAQISAH (MM) HOME FINANCING FOR AFFORDABILITY OF HOMEOWNERSHIP: A SIMULATION CASE STUDY APPROACH

2019 ◽  
Vol 17 (9) ◽  
Author(s):  
Lim Hock Eam ◽  
Rosylin Mohd Yusof ◽  
Shazida Jan Mohd Khan

Since 1990s, the increase in housing price, housing loan application rejection and bankruptcy due to housing loan default, have highlighted the need for a better way of home financing. Islamic home financing that promotes social well-being is a suitable alternative. Malaysia is in the forefront of Islamic financing system development, and Islamic home financing including the Musharakah Mutanaqisah (MM) is being implemented. Nevertheless, the MM is implemented with Wa’d. This jeopardizes the true spirit of partnership in MM home financing. Why MM is implemented with Wa’d? Is MM without Wa’d not feasible? The main objective of the present study is to simulate the case of MM without Wa’d and evaluate its feasibility. Results revealed that it is feasible to implement MM without Wa’d. In addition, MM without Wa’d could reduce the probability of loan default and increases the affordability of homeownership

2020 ◽  
Vol 11 (5) ◽  
pp. 602-614 ◽  
Author(s):  
Khanh That Ton ◽  
J C Gaillard ◽  
Carole Adamson ◽  
Caglar Akgungor ◽  
Ha Thanh Ho

Abstract While the capability approach is increasingly being adopted for evaluating well-being and social justice in the field of human development, this approach in disaster research has remained scarce. This research thus seeks to address the disaster risk that humans face through a lens of capabilities, with a focus on the lives of people with disabilities. A multi-case study approach was adopted and two rural communes in Vietnam were selected as study contexts. Data were collected using focus group discussions and interviews that involved people with disabilities, parents/caregivers of people with intellectual/psychosocial disabilities, and representatives from related organizations. It was found that people with disabilities are affected by disasters due to the lack of capabilities that they value in coping with disasters. A range of capabilities that people with disabilities value was revealed in the study sites, with many being valued not only in times of disasters but also in daily life. The findings also highlight that, to actualize their valued capabilities, people with disabilities need access not only to resources but also to the factors that enable them to convert the resources to their valued capabilities. In most cases, the limitations to the achievement of capabilities are related to the external environment.


2021 ◽  
Vol 15 (01) ◽  
pp. 53-62
Author(s):  
Muhamad Noor Ikhsan ◽  
Desy Arisandy

Abstract : This study aims to determine the psychological well being of former drug users in the city of Palembang. Factors causing well being, and psychological dynamics in former drug users in the city of Palembang, this study uses a qualitative research design and uses a case study approach to be able to find out the causes of well being and psychological dynamics of the research subjects. In this study, researchers used 7 sources, 2 people as research subjects, two people as informants knew from each subject and 2 people as informants. The results of this study found that there are factors that cause both the subject of being well that arises from within oneself (internal) and factors that arise from outside self (external).The two subjects in this study broadly have the same causative factors of being well although there are some differences in the positive emotion and engagement factors found in the study.     Keywords: Psychological well being, former drug user, Case Study Approach          Abstrak : Penelitian ini bertujuan untuk mengetahui psychological well being pada mantan pengguna narkoba di kota palembang. Faktor penyebab well being, dan dinamika psikologis pada mantan pengguna narkoba di kota Palembang, Penelitian ini menggunakan desain penelitian kualitatif serta menggunakan pendekatan studi kasus untuk dapat mengetahui faktor penyebab well being serta dinamika psikologis dari para subjek penelitian. Dalam penelitian ini, peneliti menggunakan 7 orang sumber, 2 orang sebagai subjek penelitian, dua orang sebagai informan tahu dari masing-masing subjek dan 2 orang sebagai informan pelaku. Hasil penelitian ini menemukan  bahwa adanya faktor penyebab kedua subjek well being yang muncul dari dalam diri sendiri (internal) dan faktor yang timbul dari luar diri (eksternal). Kedua subjek di dalam penelitian ini secara garis besar memiliki faktor penyebab well being yang hampir sama walaupun terdapat beberapa perbedaan di dalam faktor positive emotion dan engagement yang ditemukan dalam penelitian.   Kata Kunci : Psychological well being, mantan pengguna narkoba, Pendekatan studi kasus  


2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Jerome Carson ◽  
Robert Wright

Purpose The purpose of this paper is to provide a profile of Rob Wright. Design/methodology/approach Using a case study approach, Rob gives a short account of his background and is then interviewed by Jerome. Findings Rob’s is an amazing account of surviving a harrowing upbringing, which fortunately few of us reading this piece will have had to endure. Research limitations/implications Rob’s story perfectly illustrates why first-person accounts are so powerful. It is hard to imagine a statistical paper having the same impact as this description of one person’s lived experience. Practical implications Suicide is the greatest danger for anyone with a long-term mental health problem. Rob has faced this decision many times and has courageously battled on. Social implications Rachel’s simple, yet profound mantra, of “someone to love, something to do, somewhere to live,” is vital for all of our well-being. As Rob also points out, you still need money to put into the electric meter! Originality/value Some people have tough upbringings and some have cruel upbringings. Rob had both. His survival is a testament to the uncrushable nature of the human spirit.


2021 ◽  
pp. 003151252110128
Author(s):  
Kylie A. Steel ◽  
David I. Anderson ◽  
Caroline A. Smith ◽  
Eathan Ellem ◽  
Karen P. Y. Liu ◽  
...  

Cerebral Palsy (CP) is a common physical disability that is managed with a variety of strategies. One non-invasive intervention for people living with CP is a type of video self-modelling (VSM) referred to as positive self-review (PSR). PSR involves watching a video of oneself performing only the best examples of a desired task; this technique has been associated with improved performance and learning for people without disabilities and for those in various clinical populations, including children with spina bifida and stroke patients. PSR may have similar benefits for people living with CP. In this study we examined the effectiveness of PSR for improving a self-selected movement task among individuals living with CP. In this case study approach, eight participants completed a pre-, post-, and second post-test measuring and recording well-being, movement self-consciousness and tendency to consciously monitor movements. Results were mixed, with some participants improving their movement time, well-being ratings and tendency toward self-consciousness and conscious monitoring of movements and others showing no changes or regressions. The effectiveness of VSM appears to depend upon the match between type of task and disability and/or the length of practice. More study is needed.


2016 ◽  
Vol 13 (1) ◽  
pp. 131-143
Author(s):  
Julie Boyles

An ethnographic case study approach to understanding women’s actions and reactions to husbands’ emigration—or potential emigration—offers a distinct set of challenges to a U.S.-based researcher.  International migration research in a foreign context likely offers challenges in language, culture, lifestyle, as well as potential gender norm impediments. A mixed methods approach contributed to successfully overcoming barriers through an array of research methods, strategies, and tactics, as well as practicing flexibility in data gathering methods. Even this researcher’s influence on the research was minimized and alleviated, to a degree, through ascertaining common ground with many of the women. Research with the women of San Juan Guelavía, Oaxaca, Mexico offered numerous and constant challenges, each overcome with ensuing rewards.


2020 ◽  
Vol 4 (2) ◽  
pp. 229-248
Author(s):  
Betty Tresnawaty

Public Relations of the Bandung Regency Government realizes that its area has a lot of potential for various local wisdom and has a heterogeneous society. This study aims to explore and analyze the values of local knowledge in developing public relations strategies in the government of Bandung Regency, West Java province. This study uses a constructivist interpretive (subjective) paradigm through a case study approach. The results showed that the Bandung Regency Government runs its government based on local wisdom. Bandung Regency Public Relations utilizes local insight and the region's potential to develop a public relations strategy to build and maintain a positive image of Bandung Regency. The impact of this research is expected to become a source of new scientific references in the development of public relations strategies in every region of Indonesia, which is very rich with various philosophies.Humas Pemerintah Kabupaten Bandung menyadari wilayahnya memiliki banyak potensi kearifan lokal yang beragam, serta memiliki masyarakatnya yang heterogen. Penelitian ini bertujuan menggali dan menganalisis nilai-nilai kearifan lokal dalam pengembangan strategi kehumasan di pemerintahan Kabupaten Bandung provinsi Jawa Barat.  Penelitian ini menggunakan paradigma interpretif (subjektif) konstruktivis melalui pendekatan studi kasus. Hasil penelitian menunjukkan bahwa Pemerintah Kabupaten (Pemkab) Bandung menjalankan pemerintahannya berlandaskan pada kearifal lokal. Humas Pemkab Bandung memanfaatkan kearifan lokal dan potensi wilayahnya untuk mengembangkan strategi humas dalam membangun dan mempertahankan citra positif Kabupaten Bandung.Dampak penelitian ini diharapkan menjadi sumber rujukan ilmiah baru dalam pengembangan strategi kehumasan di setiap daerah Indonesia yang sangat kaya dengan beragam filosofi. 


2018 ◽  
Vol 33 (3) ◽  
Author(s):  
Franciscus Adi Prasetyo ◽  
Jajang Gunawijaya

Self-stigma experienced by people who experience schizophrenia has influence on reduced self-esteem, on powerlessness, the weakening of hope, and a motivation towards recovery. The aim of this study is to explain the efforts of people suffering schizophrenia to manage their self-stigma through self-control, using a case study approach. Based on the purposive sampling technique, five people with schizophrenia were selected as the cases to be studied. Data collection techniques utilized in-depth interviews, observation, and documentary studies. The analysis of the study data employed the stages of data reduction, data display, and data verification. Improvement in study quality employed the triangulation of data sources by checking the data to determine its consistency. The results of this study indicate that people with schizophrenia who have the ability to self-control can overcome self-stigma through changes in the manner of viewing themselves, self-training through activities, having endurance, having an honest approach, being able to explain schizophrenia from a positive viewpoint, having initiative, and having a positive attitude and the courage to face challenges.


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