DEVELOPMENT RESIDENTIAL PROPERTY FOR B40

Economic conditions in the aftermath of Covid-19 pandemic create an uncertain environment for all levels community, resulting anxiety everyone. The majority B40 group has difficulty obtaining credit from banks due to a lack history and collateral. is among affected financing any financial institution. It makes it more difficult them buy house obtain assistance institutions. As result, they are unable own their rent whole lifetime. worsened this vulnerable pay monthly rental unstable income. Eventually, rentals arrears accumulate over several months, which could cause be evicted rented house. Therefore, study aims discuss issues challenges Malaysia home explore feasible solution affordable housing on waqf land, while also proposing framework development residential property land by collaboration between related stakeholders. This incorporated primary data conducting in-depth analysis interview sessions targeted respondents. A series questions posed about owning house, proposed elicit feedback industry practitioners regarding its viability perspectives. discovers that Islamic bank play significant role acting as collection agent public source funding channeling fund organizations or directly project. proposes solar energy utilization within may help mitigate greenhouse gas emissions addressing United Nations' sustainable agenda. research offers originality finding banks, waqf, zakat institutions developing group. contributes improving group’s standard living providing comfortable live long-term period, sparking idea other researchers further improve environmental aspects.