Analisis Perbandingan Pembiayaan KPR Menggunakan Akad Murabahah Dengan Akad Musyarakah Mutanaqisah Di Bank Syariah Indonesia KC. Medan Aksara
DOI:
https://doi.org/10.59059/maslahah.v2i2.1059Keywords:
KPR Financing, Murabahah Agreement, Musyarakah Mutanaqisah AgreementAbstract
The aim of this research is to determine the application and comparison of murabahah and musyarakah mutanaqisah contracts in applying for Sharia KPR financing at Bank Syariah Indonesia. The method used in this research is qualitative descriptive research. The information obtained in this research is the result of interviews, observation and documentation. The research results show that the implementation of both contracts begins with a financial request with the same administrative requirements. Comparison of contracts can be seen in similar things, namely. administrative requirements, installment financing, accelerated repayment system and legal consequences for defaulting customers. The differences between these contracts lie in the characteristics of the contract, the definition of margin, the bank's relationship with the customer, the value of the object and home ownership. In its implementation, it can be done by considering the advantages and disadvantages of the two contracts.
References
BPS Indonesia (2023).https://dataindonesia.id/varia/detail/data-jumlah-penduduk-indonesia-20132023
BSI Griya. (2022). Diambil dari Ini Dia Perhitungan KPR Syariah dan Cicilannya (rumahimpian.id)
Dariana, D., & Ismanto, W. (2020). Analisis Pembiayaan Multijasa Dengan Akad Ijarah. JPS (Jurnal Perbankan Syariah), 1(1), 1-14.
Fatwa, D. M. N. (73). Tahun 2008 Tentang Musyarakah Mutanaqishah. Dewan Syariah Nasional-Majelis Ulama Indonesia.
Indonesia, B. (2008). Kodifikasi Produk Perbankan Syariah. Direktorat Perbankan Syariah Bank Indonesia.
Kurniawan, A., & Inayah, N. (2013). Tinjauan Kepemilikan dalam KPR Syariah: Antara Murabahah, Ijarah Muntahiyyah Bittamlik, dan Musyarakah Mutanaqisah, Volume, No. 2, Desember. Equilibrium, 1(2), 279-301.
Keuangan, O. J. (2017). Kajian Perlindungan Konsumen Sektor Jasa Keuangan: Departemen Perlindungan Konsumen-Otoritas Jasa Keuangan. Cetakan pertama, Jakarta.
Moch Novi Rifa‟i, W. I. P. (2017). Implementasi Akad Murābahah dan Ijārah Muntahiyah Bit Tamlik Pada Produk KPR BRI Syariah KC Malang Kawi. FALAH: Jurnal Ekonomi Syariah, 2(2), 157. https://doi.org/10.22219/jes.v2i2.5103
Pasya, C. F., Ulpah, M., Mahfud, I., Syariah Tinggi, S., & Islam, A. (2023). PEMBIAYAAN MURĀBAHAH PRODUK GRIYA IB HASANAH DI BSI TANGERANG PADA MASA COVID-19 PENDAHULUAN Murābahah merupakan salah satu jenis akad yang paling umum diterapkan dalam aktivitas pembiayaan perbankan syariah .Murābahah diterapkan melalui mekanisme jual b. 6(1), 1–13.
