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All Journal Maliyah : Jurnal Hukum Bisnis Islam
M. Taufiqurrosyidin Abdillah
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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TINJAUAN HUKUM ISLAM TERHADAP IMPLEMENTASI AKAD MUSHARAKAH MUTANAQISAH SEBAGAI SOLUSI AKAD PEMBIAYAAN KREDIT PEMILIKAN RUMAH PADA BANK SYARI’AH M. Taufiqurrosyidin Abdillah
Maliyah : Jurnal Hukum Bisnis Islam Vol. 5 No. 1 (2015): Juni 2015
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (470.953 KB) | DOI: 10.15642/maliyah.2015.5.1.%p

Abstract

Musharakah mutanaqisah contract is a form of contract solutions murabahah  formerly used as a mortgage financing agreement with Bank Muamalat Indonesia.The implementation of the contract musharakah mutanaqisah on mortgage financing product is a form of cooperation partnerships undertaken by the bank and the customer in the housing where the bank contributes funds to customers based on mutual agreement. Whereas ijarah contract is an aggrement which is obligated to client to pay a number of rent payment which was given by side of bank as the service because it has become the object of utilizing home mortgage financing is accompanied by the transfer of ownership of the house at the end of the full payment. Thus, the study of Islamic law in the implementation of the contract musharakah mutanaqisah has met its validity, because its pillars and conditions have been met.
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