Abstract
This study aims to investigate in more depth the meaning of cash flow management carried out by bank-less housing practitioners. This research, which uses Islamic phenomenology, involves Muslim practitioner informants trying to operate their business to comply with various sharia provisions and scholars informant who knows the bank-less housing business both in practice and the Islamic law. The findings indicate that cash flow means; (1) both material and non-material; (2) obedience to the implementation of cash flow management solutions in Islam; (3) creativity in cash flow management activities based on priority (compulsory, sunna, permissible); (4) justice obtained through muamalah contracts; (5) sharia oriented through the obligation to continue to communicate with the scholars.
Highlights
Changes in society that continue to move towards life to more following Islamic provisions are interesting to notice (Sutopo, 2010)
Cash flow is very important especially for non-bank housing because they have to be independent in financing their various business operations
Cash flow management is interpreted not as a material meaning that arises from the business aspect and as other meanings that come from various rules in Islam that have influenced their consciousness
Summary
Changes in society that continue to move towards life to more following Islamic provisions are interesting to notice (Sutopo, 2010). The motivation for changing business practices that do not involve bank financing is to obtain blessings from Allah SWT and avoid punishment in the form of hell due to usury. A preliminary interviewed was conducted with Mr A, the owner of a Malang City real estate sales agent. He stated that if you want to operate a legitimate business under Islamic law and bring you blessings, you must follow Islamic rules. It is clear that they make changes in their business activities as a form of obedience to submit to Allah SWT to obtain blessings for all business activities carried out
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Schedule a callMore From: International Journal of Research in Business and Social Science (2147- 4478)
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