Analisis surat pernyataan sebagai perjanjian pembiayaan perumahan bank syariah dan perusahaan pengembang
Abstract
The purpose of writing this article is to analyze the use of statement letters as a form of agreement in mortgage transactions between Islamic banks and property development companies. By knowing whether the use of a statement as a form of mortgage agreement is in accordance with the principles of Islamic banking as well as the implications and impacts on all parties involved, then you can know the potential legal risks and ambiguity in the rights and obligations of the parties involved. Data collection techniques are carried out by gathering information from various sources, including through e-journal articles, books, court decisions and other sources of literature. The results of the literature study show that the statement letter as a mortgage agreement is in accordance with the principles of Islamic banking, and put forward the reasons why the Madiun City Religious Court judge allowed the statement letter as a form of agreement in a mortgage transaction because in essence the statement letter cannot be separated from sharia financing agreement
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