Supervision of the Implementation of A Sharia-Based Cash Tempo Scheme to Improve Access to Subsidized Housing Ownership

Ning Wijayanti; Kukuh Trisnafi; Cindy Wakhidatul Maqfiroh; Muhammad Aswad

doi:10.55927/jpmb.v5i5.29

Authors

Ning Wijayanti UIN Sayyid Ali Rahmatullah Tulungagung
Kukuh Trisnafi UIN Sayyid Ali Rahmatullah Tulungagung
Cindy Wakhidatul Maqfiroh UIN Sayyid Ali Rahmatullah Tulungagung
Muhammad Aswad UIN Sayyid Ali Rahmatullah Tulungagung

DOI:

https://doi.org/10.55927/jpmb.v5i5.29

Keywords:

Cash Tempo, Pembiayaan Syariah, Pendampingan, Participatory Action Research (PAR)

Abstract

The demand for subsidized home ownership continues to rise, yet many prospective buyers face barriers to financing due to limited upfront funds and a preference to avoid interest-based schemes. This study analyzes assistance in designing and implementing a cash-on-delivery payment model as an alternative aligned with sharia principles. Using a Participatory Action Research (PAR) approach, the study follows stages of problem identification, planning, implementation, and reflection, with data collected through observation, participation, and group discussions. The findings indicate that the scheme offers greater payment flexibility and attracts certain consumers, although financial constraints persist. For developers, it creates marketing opportunities but requires improved risk and cash flow management. Strengthening administration, mitigation strategies, and consumer education is essential.

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