Implementasi akad musyarakah mutanaqishah pada Pembiayaan Pemilikan Rumah (PPR) di perbankan syariah

Authors

  • Nindy Dwi Royani Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

Islamic Banking, Musyarakah Mutanaqishah, House Ownership Financing (HOF)

Abstract

Community life is inseparable from the activities of providing primary needs such as home ownership. However, not everyone can afford to buy a house outright due to economic factors. So we need a program to make it easier for people to buy a house. Over time, the emergence of Home Ownership Financing (PPR) products with musyarakah mutanaqisah contracts in sharia banking has become an alternative for people who want to buy a house that complies with sharia principles. In implementing the musyarakah mutanaqisah contract activities there are risks that can occur, so it is necessary to pay attention to several things such as: pillars, conditions and regulations in implementing the musyarakah mutanaqisah contract for Home Ownership Financing. This research aims to find out how the musyarakah mutanaqishah contract is implemented in home ownership financing in sharia banking. Therefore, before carrying out home financing, customers must also know about the regulations and mechanisms of musyarakah muanaqishah contracts from the fatwa of DSN-MUI, Bank Indonesia, and the Financial Services Authority.

 

Downloads

Download data is not yet available.

Downloads

Published

2024-01-18

How to Cite

Royani, N. D. (2024). Implementasi akad musyarakah mutanaqishah pada Pembiayaan Pemilikan Rumah (PPR) di perbankan syariah. Maliki Interdisciplinary Journal, 2(4), 23–36. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/5407

Issue

Vol. 2 No. 4 (2024): APRIL

Section

Articles

License

Authors who publish with this journal agree to the following terms:

  • Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
  • Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  • Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.