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All Journal DIRHAM Jurnal Ekonomi Islam
WILDAN AFIFAH HAKIH
Institut Bisnis Muhammadiyah Bekasi
Economics, Econometrics & Finance

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ANALISIS PENERAPAN ETIKA BISNIS ISLAM DALAM MEKANISME PENGAJUAN PRODUK PEMBIAYAAN GRIYA RUMAH BARU DI BANK SYARIAH MANDIRI KANTOR AREA THAMRIN – JAKARTA PUSAT PUTI KHAIRANI RIJADI; WILDAN AFIFAH HAKIH
DIRHAM Jurnal Ekonomi Islam Vol 2, No 1 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.852 KB) | DOI: 10.53990/djei.v2i1.102

Abstract

Researchers see some people still do not understand about the mechanism in applying home financing products in sharia banks. This research aims to provide information about the process of applying for sharia-based housing financing, but also wants to know whether the process has implemented Islamic Business Ethics and the foundation of law and sharia. Islamic Business ethics theory refers to the instrument or regulation of three principles of regulation of the Financial Services Authority No. 4/POJK. 05/2018. About secondary housing Financing Company Article 8 paragraph (3) namely the principle of justice (' ADL), balance (Tawazun), Benefits (Maslahah), and Universalism (Alamiyah), does not contain things forbidden, such as Riba, Maisir, Gharar, Zalim, Risywah, Maksiat, Haram object, and carried out by using AKAD in accordance with the fatwa of the National Sharia Council of Ulama Indonesia (DSN MUI). The collection of research data is done by observation methods, interviews, and documentation. Analysis is done with a qualitative descriptive approach, using source triangulation.
Co-Authors Puti Khairani Rijadi