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Home Procurement Solution: The Utilization of Tawatu’ in the Musharakah Mutanaqishah Agreement for Home Ownership Jasmin, Jasmin; Syaifuddin, Syaifuddin; Rosyidah, Umu; Sudirman, Muh Sajjaj; Esa, Abubakar
Business and Applied Management Journal Vol. 3 No. 2 (2025): July-December
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1636

Abstract

This research aims to examine the application of the tawatu’ concept to enhance the Musharakah Mutanaqishah contract for home ownership financing (KPR), addressing the challenges posed by population growth and housing shortages. Islamic banks offer home ownership financing based on the Musharakah principles, specifically Musharakah Mutanaqishah, which involves a gradual transfer of ownership from the bank to the customer. However, the issue arises from naming the certificate in the customer's name, even though the house remains jointly owned. This study uses field research, collecting data through interviews and document review, and analyzes them using the descriptive qualitative model of Huberman and Miles. The findings indicate that naming the customer on the certificate helps streamline the process with the National Land Agency (BPN), Sharia banks, and the customer. This process is supported by the tawatu’ concept, a secret agreement between two parties aimed at finding a way out of contractual issues within the scope of Sharia law and positive law. The tawatu’ concept provides a harmonious solution for Islamic banking, supporting further growth and development.
Co-Authors A Hadi Arifin Abbas, Sofyan Abd. Rouf, Abd. Abdul Muhid Abdul Rahman Abdullah Malik Ibrahim Abidin, Nor Agoes Moh. Moefad Ahmad Juhaidi Ahmad Sufyan Zauri Aiyub Aiyub Akhmad Rizalli Saidy Al Mawardi Alfarizi, Muhammad Salman Alfufatin Nabilah Alhadar, Mudi Ali Mas'ud Ali Mas’ud Amar Ma’ruf Amelia, Fhia Ananta, Erick Dwi Angelita, Indah Aprianti Aprillia, Ariesya Ar Husein, Muhammad Ariesa, Yeni Arif Ismail Atika Atika Aulia Arief Nasution Azwar Hasibuan, Hasrul Bahar, Kurnia Bustari Bustari Cahyani, Agil Ralifa Choiriawati, Choiriawati Cut Fitri Rostina Damanik, Tiara Sastika Dame Masterina, Olivia Dewi Larassati M.P Dharma, Ricke Dina Rosmaneliana Djazilan, Sukron Emilia Emilia Erna Kadrianti Esa, Abubakar Fahmi, Muhammad Fahrudin, Atef Faiqoh, Kholisotul Fairuz Lazuwardiyyah Fairuz, Fara Dilla Faisal Abdullah Firdausiyah, Nuri Junanul Fitramadan, Lis Fitri, Gustina Fuandri Fuandri Gani, Fauzi A. Ginting, Grace Ilona Ranastasia Br Ginting, Kristha Immanuel Suranta Gultom, Farida Gultom, Parsaoran Halim Akbar, Halim Hanafiah Hanafiah, Hanafiah Hanik Yuni Alfiyah Hanik Yuni Alfiyah, Hanik Yuni Hanipah, Mei Alfiani Hartono Hartono Havida, Nadhiva Iffany Hayatun Nupus Haziri, Achmad Abrar Hedi Turmudi, Asep Hi M.A. Hi Abdullah, Baharuddin Ibrahim Ibrahim Ifa Dotus Salimah Iklima Sholichati imelia, imelia Indha Aprida Sutari Irfan Maulana, Irfan Irham Irham Ismail Ismail Ismed Fachruzi Jasmin, Jasmin Jumadi Junaedi Junaedi Junaedi, Junaedi Junaidi Junaidi Juriah Juriah, Juriah Kaharuddin Kahfi, Mas'ady Ashabul Kahfi, Mas’ady Ashabul Khairani, Reska Khairunisa, Aulia Khoiriyah, Mahbubatul KHOIRUN NISAK Khoirun Nisak Kurniati Kurniati Kurniawan, Rikza Syahrial La Niampe LAILATUL FITRIAH Liliek Soetjiatie Lubis, Fajar Rezeki Ananda Luvi Antari, Luvi M. Havy Sa'dullah Ma'mun, Adam Sukron Mariana Mariana Martin, Iwan Maruka, Safriyanto S Mas'ud, Ali Mas’ud, Ali Maya Novitasari Ma’ruf, Amar Mega Fatimah Rosana Meldia Septiana MISWAR MISWAR Moch. Agung Lukman Septiansyah Muhammad Afifudin Dimyathi MUHAMMAD FAHMI Muhammad Mahbub, Muhammad Muhammad Reza Muhammad Ufuqul Mubin Muhammad Wahyudi Mulizar Mulizar Mumtahanah, Mumtahanah Munardy, Munardy Murbangun Nuswowati Murfi, M Ali Muslim syamsuddin Muti’ah, Siti Nadlir Nagian Toni Najib Irsyadi, Najib Nasikhul Amin Nasution, Ita Saiyah Nasution, M. Bobbi K. Noor Rizqy Sattariya Novrini, Susan Nurdan, Nurdan Nurfadilah Nurfadilah Nurfajriani, Nurfajriani Nurhidaya M, Nurhidaya M Nurjanah, Rahma Nursyamsi Nursyamsi Pakpahan, Efendy Panjaitan, Yanti Fitriani Pareng Rengi Pasaribu, Sonia Dina Sari pengelola, pengelola Pirdhaus, Ananta Prasetia, Senata Adi Puad, Noor Aimi Mohamad Putri Bintoro, Ellys Rahma Putri, Nur Agustin Rahayu Putri, Rizki Adinda Putri, Salsabillah R Dalai, Hastuti Rahmadani, Novia Aulia Ramdani, Taufiq Resel, Keysa Rinaldi, Rival Riyadhsyah, Riyadhsyah Riyanto, Eko Robert Tua Siregar Rohman Rohman Romy, Elly Rosmawaty Hilderiah Pandjaitan RR. Ettie Rukmigarsari Sabar Dumayanti Sihombing Sabda, Galang Ikhwan Aji Sabrina Sabrina Sahputra, M. Robby Salam, Miming Berlian Hi. B. Salim Aktar Salimah, Ifa Dotus SALMAN FARIS Salman Faris Sanmas, Abu Santiago Ikhsan, Ramiro Saprida, Saprida Saputri, Eki Nining Sari, Zamah Sarwi - Sekali, Abednego Suranta Karo Senung, Bahtiar Septiono, Trimo Setiawan, Romi Adetio Silwanah, Andi Sani Simanjuntak, Dahnil Anzar Sinaga, Tri Eva Maria Sitorus, Aron Jarif Hasadungan Soesilo Zauhar Sofiyan Sofiyan Solikhin Solikhin Sri Zuwefa Suca Rusdian Sudirman Sudirman Sudirman, Muh Sajjaj Sudirman, Muh. Sajjaj Sugito - Suherman, Suherman sujono, andika Sulaiman Sulaiman Sulistiawati Rahayu Ahmad Sumiman Udu Supardin Sustenance Ananda Lubis , Fazar Suwatah, Suwatah Tenripada, Dita Amalia Theriana, Ana Tika, Aulia Saufayuk Toni, Nagian Umasugi, Nirwan Umu Rosyidah Utomo, Bedjo Veithzal Rivai Zainal Wildan Suharso Willy Dama, Risky Winata, Cahya Wiratama, Romadhon Wirdha, Wirdha Wiwik Muyassaroh Abdi Yayan Eryk Setiawan Yudinta, Dewa Putu Dharma Yuli Ismi Nahdiyati Ilmi Yunior, Khomeiny Yusra, Yusra Yusran Haskas Yusuf Ronny Edward Zulfa, Cut Nadya