PEMBIAYAAN HUNIAN SYARIAH KONGSI (PHSK) BERDASARKAN AKAD MUSYARAKAH MUTANAQISAH (MMQ) DIHUBUNGKAN UNDANG-UNDANG NO. 21 TAHUN 2008 TENTANG PERBANKAN SYARIAH

  • Rinrin Warisni Pribadi STAI Syamsul Ulum Sukabumi
Keywords: Financing, Mortgage, Musharaka Mutanaqisah ( MMQ )

Abstract

The house is a typical goods with unique characteristics among all the other items that are used in general . And in the perspective of Islam is known as concept Baiti Jannati ( my heaven my home ) . House prices continue to soar causing few people who are able to buy a house in cash . For minimum earning employes , way out to own their own home is by installment or rental . This opportunity is utilized by many financial institutions and banks to offer consumetive products that are well known for Housing Loan ( mortgage ) for conventional and Bank Financing for Residential Sharia Islamic Banking . This thesis describes a product that is Partnership Sharia Residential Financing Product (PHSK) with Musharaka Mutanaqisah ( MMQ ) contract in Bank Muamalat Indonesia Branch Office of Sukabumi . The author of this thesis examines the suitability of the application of Musharaka  Mutanaqisah ( MMQ ) contract by Act No. . 21, 2008 On Islamic Banking , the division of reward after leasing assets and the distribution of costs arising from the contract . This research was carried out normatively , by qualitative methods and analysis directed to the principles of justice and legal certainty in the application of Musharaka Mutanaqisah ( MMQ ) . In this study the authors found that sharia Kongsi Musharaka Financing contract Residential Mutanaqisah (MMQ) in accordance with the laws and fatwas related . Distribution of benefits when the asset has been leased with the prevailing regulations , so that the sense of fairness to both parties . Then load of all the costs that is incurred to be charged to the customer , is allowed as long as agreed by both parties when the contract . To be expected in the future application of Partnership Sharia Residential Financing Product (PHSK) with Musharaka Mutanaqisah ( MMQ )  clarity finance schemes shall be clearly distinguished from other financing schemes and the imposition of equitable distribution of the costs incurred in the contract.

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Published
2018-10-05
How to Cite
Pribadi, R. (2018). PEMBIAYAAN HUNIAN SYARIAH KONGSI (PHSK) BERDASARKAN AKAD MUSYARAKAH MUTANAQISAH (MMQ) DIHUBUNGKAN UNDANG-UNDANG NO. 21 TAHUN 2008 TENTANG PERBANKAN SYARIAH. MUTAWASITH, 1(2), 32-58. Retrieved from http://jurnal.iailm.ac.id/index.php/mutawasith/article/view/77
Section
Articles