MAQASHID SHARIA AND CUSTOMER DECISIONS IN ISLAMIC HOUSING FINANCE: EVIDENCE FROM WEST JAVA

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The purpose of this study is to analyze maqashid sharia, namely dharuriyat proxied by service quality, hajiat proxied by location, and tahsiniyat proxied by promotion on customer decisions in the FLPP program in Islamic Banking in West Java. This study uses a quantitative approach. The primary data collection technique uses a questionnaire. The sampling technique used is purposive sampling. The number of samples is 100 BJB Syariah and BTN Syariah customers in the FLPP (Housing Financing Liquidity Facility) program in West Java. The data analysis technique used is Partial Least Square-Structure Equation Modeling (PLS-SEM). This study concludes that the variables dharuriyat, hajiat, and tahsiniyat influence customer decisions in the FLPP program, which is 75.5 percent in the strong category. The dharuriyat variable proxied by service quality has the highest influence, which is 72.5 percent. This shows that the customer's decision to have a decent home from the FLPP program is based on the results of their housing needs and not on investment. Meanwhile, the tahsiniyat variable proxied by promotion has the lowest influence, namely 21 percent. This shows that tahsiniyat matters are matters that provide a more beautiful impression of life, and if this matter is not fulfilled, it will not threaten one of the elements of dharuriyat and hajiyat and will not cause difficulties.

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Detail Information

Series Title

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Call Number

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Publisher

Finansha: Journal of Sharia Fi : Bogor., 2024

Collation

pp. 164-181

Language

English

ISBN/ISSN

2774-2687

Classification

NONE

Content Type

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Media Type

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Carrier Type

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Edition

Vol. 5 No 2

Subject(s)

Maqashid Syariah Customer Decision
FLPP
PLSSEM

Specific Detail Info

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Statement of Responsibility

Fajri Haykal Ramadhan

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