伊斯兰家庭融资新数学模型的构建

IF 1.2 Q4 MANAGEMENT

Asian Academy of Management Journal Pub Date : 2019-01-01 DOI:10.21315/AAMJ2019.24.S1.3

P. Ghazali, Sharifah Arni Syed Jaaffar, Nik Hazimi Mohammed Foziah, A. Tambi, Farah Amalina Md Nawi, M. Mamat, S. Mohammad, W. Daud, Mohd. Sadad Mahmud

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引用次数: 23

摘要

伊斯兰金融机构在构建伊斯兰家庭融资模型时很少使用数学公式。然而，市场上现有的产品被认为是中低收入者的负担，而抵押贷款只赔偿某些情况，如死亡和完全永久残疾，而不包括对失去工作努力的人的保护。因此，本研究得出了一个新的伊斯兰家庭融资公式，其中利润以融资总额的三分之一计算，而新的抵押贷款偿还模式将补偿那些失去工作努力的人。因此，本研究旨在运用一个整合模型，推导出一个新的住房融资和抵押贷款收益率模型公式。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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The Construction of a New Mathematical Model for Islamic Home Financing

Islamic financial institutions apply few mathematical formulas in constructing Islamic home financing models. However, the available products in the markets are deemed to be a burden to the low to medium income earners, while the mortgage takaful only compensates selected cases such as death and total permanent disability without including the protection against those who loss an effort to work. Hence, this study derives a new formula of Islamic home financing where the profit is calculated based on one-third of the total amount of financing, while the new model of mortgage takaful will compensate those who are losing effort to work. Therefore, this study aims to derive a new formula of home financing and mortgage takaful model by using an integrated model.

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来源期刊

Asian Academy of Management Journal MANAGEMENT-

CiteScore

1.70

自引率

0.00%

发文量

审稿时长

20 weeks

期刊介绍： The Asian Academy of Management Journal (AAMJ) is a refereed journal that is jointly published by the Asian Academy of Management (AAM) and Penerbit Universiti Sains Malaysia (http://www.penerbit.usm.my). The journal endeavors to provide forums for academicians and practitioners who are interested in the discussion of current and future issues and challenges impacting the Asian Management as well as promoting and disseminating relevant, high quality research in the field of management. The journal has an established and long history of publishing quality research findings from researchers not only in the Asian region but also globally.