Implementation of Aqad Musyarakah Mutanaqisah (MMQ) Take Over Financing on KPR Products in Sharia Banks

Muhammad Rafi Ashsiddiqqy, Hilda Monoarfa, Aneu Cakhyaneu

Abstract


Abstract.     House Ownership Financing (PKR) has various types of contracts used, one of which is Musyarakah Mutanaqisah (MMQ). However, financing through the Mushanaqishah Mutanaqishah pattern (MMQ) has some common problems in the banking world faced. This study aims to see how the implementation of the Musharaka Mutanaqishah (MMQ) contract. Take Over financing on KPR products is following Fatwa DSN MUI Number: 73 / DSN-MUI / XI / 2008 concerning Musyarakah Mutanaqisah (MMQ).This study uses a descriptive quantitative method. The population in this study were mortgage customers totaling 31 people with census techniques. The instrument in this study used a questionnaire. The results showed the implementation of the Musyarakah Mutanaqisah (MMQ)  agreement. Take Over financing for KPR products is in a good category, although several indicators are in the sufficient category.

 

Keywords.    Musharakah Mutanaqisah (MMQ), Take Over Financing, Shariah Home Financing.


Keywords


Musharakah Mutanaqisah (MMQ), Take Over Financing, Shariah Home Financing.

Full Text:

PDF

References


Anggraini, J., & Mardiah, S. (2016). Analisis Kinerja Pembiayaan Take Over pada BTN Syariah di Tahun 2014-2015. I-Finance Vol. 2. No. 1. Juli 2016.

Bhakti, Y. (2012). Penemuan Hukum Nasional dan Internasional. Bandung: Fikahati Aneska.

Djamil, F. (2012). Penyelesaian Pembiayaan Bermasalah di Bank Syariah. Jakarta: Grafika.

DSN-MUI. (2008). Fatwa DSN-MUI. Retrieved from dsnmui.or.id.

DSN-MUI. (2013). Fatwa DSN-MUI. Retrieved from dsnmui.or.id.

DSN-MUI. (2017). Fatwa DSN-MUI. Retrieved from dsnmui.or.id.

Khadifya, A. S., & Suprayogi, N. (2011). Perlakuan Akuntasi Akad Musyarakah Mutanaqisah (Studi Kasus : KPR iB pada Bank Muamalat Cabang Darmo Surabaya.

M.Ridwan. (2012). Penerapan Akad Musyarakah Mutanaqisah Sebagai Alternatif Pembiayaan Murabahah di Perbankan Syariah Indonesia .

Novan, D. S. (2014). Upaya Bank Syariah pada Penyaluran Kepemilikan Rumah Syariah dengan Akad Musyarakah Wal Ijarah Al-Muntahia Bittamlik dalam Hal Terjadi Ingkar Janji.




DOI: https://doi.org/10.17509/rief.v1i1.23745

Refbacks

  • There are currently no refbacks.


Copyright (c) 2020 Review of Islamic Economics and Finance

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

This journal provides immediate open access to its content on the principle that makes research freely available to the public and supports a greater global exchange of knowledge.

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 Internasional (CC BY-SA 4.0).

StatCounter - Free Web Tracker and Counter View My Stats