伊斯兰家庭融资新数学模型的构建

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY

Accounts of Chemical Research 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

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.