Implication of Musyarakah Mutanaqisah Contract of Syariah Banking (Study of Opportunities and Risks at Bank Mu’amalat, Manado Branch)

Tasharruf: Journal Economics and Business of Islam Pub Date : 2019-01-05 DOI:10.30984/TJEBI.V3I2.791

Rahmawaty Rahmawaty

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Abstract

AbstractThe growing of Sharia Banking has also encouraged the development of its products. One of the sharia banking products that in high demand by the public is housing finance products known as the kongsi pemilikan rumah syari`ah (KPRS). In its implementation, there are differences in some sharia banks; some use the murabahah and other use musyarakah mutanaqishah contracts. In 2008, the National Sharia Council issued a fatwa regarding the musyarakah mutanaqisah contract in financing home ownership. However, the contract was still not implemented by all Sharia banking. In 2012, Bank Indonesia issued a circular letter to all Sharia Banks and Sharia Business Units which further legitimized the application of the musyarakah mutanaqisah contract in sharia banking. Contracts of Musyarakah mutanaqisah in KPR products will facilitate customers in financing the KPR. The advantages of the musyarakah mutanaqisah contract for customers are the more extended financing periods and relatively cheaper installments.Keywords: Mutaqisah Musyarakah contract, Home Ownership Financing.

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伊斯兰银行Musyarakah Mutanaqisah合同的启示(muamalat银行Manado分行的机遇与风险研究)

摘要伊斯兰银行的发展也促进了其产品的发展。公众需求量很大的伊斯兰银行产品之一是被称为kongsi pemilikan rumah syari 'ah (KPRS)的住房金融产品。在实施过程中，一些伊斯兰银行存在差异;一些人使用murabahah，另一些人使用musyarakah mutanaqishah合同。2008年，国家伊斯兰教法委员会发布了一项关于资助房屋所有权的musyarakah mutanaqisah合同的法特瓦。然而，该合同仍未被所有伊斯兰银行执行。2012年，印度尼西亚银行向所有伊斯兰教银行和伊斯兰教业务部门发出了通函，进一步使伊斯兰教银行中musyarakah mutanaqisah合同的应用合法化。Musyarakah mutanaqisah在KPR产品方面的合同将有助于客户为KPR融资。对于客户来说，musyarakah mutanaqisah合同的优点是更长的融资期和相对便宜的分期付款。关键词:Mutaqisah Musyarakah合同，自有住房融资

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Tasharruf: Journal Economics and Business of Islam

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