This comparative study contrasts murabaha and diminishing musharakah models, highlighting implications for risk-sharing and affordability in housing finance.
Key Points
Diminishing Musharakah leads to better affordability and socio-economic welfare than Murabaha.
Regression analysis shows significant impacts of financing models on sustainable housing outcomes.
Diminishing Musharakah promotes equity sharing while Murabaha mirrors traditional debt agreements.
Regulatory bodies are encouraged to support risk-sharing frameworks to enhance financial inclusion.