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Analisis Fiqh Muamalah Terhadap Penerapan Akad Musyarakah Mutanaqisah Dalam Pembiayaan Rumah Di Perbankan Syariah Sumarni; Aulia, Malika Kesya; Hirmayani, Amanda; Herni; Fatrisia, Anggun Ade; Hasniar
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4886

Abstract

This study aims to analyze the implementation of the Musyarakah Mutanaqishah (MMQ) contract in home financing products of Islamic banking institutions from the perspective of fiqh muamalah. Musyarakah Mutanaqishah represents an innovative Islamic financing scheme that combines partnership principles with gradual transfer of ownership, designed to avoid interest-based transactions in housing finance. This research employs a qualitative method with a normative and conceptual approach by examining classical and contemporary fiqh muamalah literature, the fatwas issued by the National Sharia Council of the Indonesian Ulama Council (DSN-MUI), and relevant regulatory frameworks. The findings indicate that normatively, the Musyarakah Mutanaqishah contract fulfills the essential pillars and conditions of a valid Islamic contract and is legally supported by DSN-MUI Fatwa No. 73/DSN-MUI/XI/2008. The mechanism of joint ownership, payment of ujrah for asset utilization, and gradual transfer of ownership reflects the principles of justice and mutual benefit emphasized in Islamic law. However, practical implementation reveals several challenges, including the potential imbalance of risk allocation and deviations from the ideal partnership model. Therefore, strengthening substantive compliance in the application of Musyarakah Mutanaqishah is essential to ensure alignment with the principles of fiqh muamalah and the objectives of maqashid al-shariah.
Co-Authors A. Lismawati Abd Arya Adelia Anggun Adrian Al Muh.Fajri Alwi, Salma Andi Muh.Akbar Andi Nurhabibi Marwil Andi Srimularahmah Andi Tabrani Rasyid Andika Gunawan Asmira Aulia, Malika Kesya Budiawan Syah Eliska Ayu Anita Elpy Fatrisia, Anggun Ade Hasnah Hasniar Heppy Liana Hidayaturrohim Hirmayani, Amanda Ismail Julianih, Julianih Jumaria Kartika Fajriani Lailatul Hidayah Marunta, Ristiyanti Ahmadul Maryam Maryam Maryam Muhammad Farid Muhammad Sawal Mutiara Saputri Natriani Syam Nilka Fitri Nurdaida Nurfadilla Puspitasari, Ita Rena Astuti Rina Andriani Rony Ranggas Saputra SAFIRA Selviani Sudibyo, Anung sukmawati Sukmawati Sukmawati SUMARNI Syahri Bulan Tullah, Aswa Yeni Aslina Yulia Irwina Bonewati Yusmida Pagalla