Fitria Handayani, Rahman Ambo Masse, Sunuwati Sunuwati
This study discusses the implementation of murabahah contracts on mortgage financing in the Parepare Islamic state savings bank. That the BTN Syariah bank is a unit of conventional Bank BTN which raises doubts about mortgage financing, whether or not it has implemented murabahah contracts in mortgage financing or not. As recommended by the DSN fatwa and Indonesian banks. This study aims to determine the implementation of the murabahah contract on mortgage financing at the Parepare Syariah State Savings Bank. The results of this study indicate that: (1) the financing mechanism for mortgages at Bank BTN Syariah Parepare is in accordance with the rules of banks and government, the rules governed by the government are the rules regarding subsidized mortgages stipulated in PermenPUPR Number 21 / PRT / M / 2016 concerning convenience and or assistance in obtaining houses for low income people. PermenPUPR Number 26 / PRT / M / 2016 concerning changes to the ministerial regulations on public works and public housing number 21 / PRT / M / 2016 and PermenPUPR Republic of Indonesia Number 425 / KPTS / M / 2015 concerning limits on house selling prices that can be obtained through credit or financing of prosperous home ownership. (2) Implementation of murabahah contract at BTN Syariah Parepare bank, terms and conditions are in accordance with the principle of murabahah contract, murabahah contract has not implemented well on mortgage products at BTN Syariah Parepare bank due to the existence of murabahah contract elements which are not in accordance with the fatwa of the board national sharia-MUI. The element of the murabahah contract that is not in accordance with the DSN-MUI fatwa is the down payment and rescheduling. The elements of the murabahah contract are in accordance with the DSN-MUI fatwa, namely discounts, settlement of accounts receivable, fines and accelerated repayments.
本研究探讨了murabahah合同在pareparee伊斯兰国家储蓄银行抵押贷款融资中的实施。BTN伊斯兰银行是传统银行BTN的一个部门，这引起了人们对抵押融资的质疑，无论它是否在抵押融资中实施了murabahah合同。根据DSN法特瓦和印尼银行的建议。本研究的目的是确定murabahah合同抵押贷款融资在帕帕雷伊斯兰国家储蓄银行的实施。本研究结果表明:(1)BTN Syariah pareparebank的抵押贷款融资机制符合银行和政府的规则，政府所管辖的规则是PermenPUPR Number 21 / PRT / M / 2016中关于便利和/或帮助低收入者获得住房的补贴抵押贷款规则。PermenPUPR第26 / PRT / M / 2016号法令，涉及对第21 / PRT / M / 2016号公共工程和公共住房部级法规的修改，以及印度尼西亚共和国PermenPUPR第425 / KPTS / M / 2015号法令，涉及通过信贷或融资获得的住房销售价格限制。(2) murabahah合同在BTN Syariah pareparebank的实施，条款和条件符合murabahah合同的原则，由于murabahah合同要素的存在，不符合董事会国家伊斯兰教法- mui的法特瓦，murabahah合同在BTN Syariah pareparebank的抵押产品上没有得到很好的实施。murabahah合同中不符合DSN-MUI法特瓦的要素是首付款和重新安排。murabahah合同的要素符合DSN-MUI法特瓦，即折扣、应收账款结算、罚款和加速还款。
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