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All Journal Jurnal Bisnis, Manajemen, dan Informatika Jurnal Ilmiah Ekonomi Islam Jurnal Hukum Ekonomi Syariah Journal of Institution And Sharia Finance Iqtishoduna: Jurnal Ekonomi Islam Imtiyaz : Jurnal Ilmu Keislaman Abdimas UNWAHAS : Jurnal Pengabdian Masyarakat UNWAHAS Al-Kharaj: Journal of Islamic Economic and Business Jurnal Hukum Ekonomi Syariah Al-Azhar Journal of Islamic Economics BJRM (Bongaya Journal of Research in Management) Alauddin Law Development Journal (ALDEV) Jurnal Ilmiah Akuntansi Peradaban TSARWATICA (Islamic Economic, Accounting, and Management Journal) Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Al-Mutsla: Jurnal Ilmu-Ilmu Keislaman dan Kemasyarakatan Jurnal Ar-Ribh Jurnal Iqtisaduna Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Iqtisadie: Journal of Islamic Banking and Shariah Economy Ummul Qura : Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan Likuid: Jurnal Ekonomi Industri Halal Jurnal Hukum Ekonomi Syariah : AICONOMIA Kartika: Jurnal Studi Keislaman An Nuqud: Journal of Islamic Economics IHSAN : Jurnal Pendidikan Islam Hikmayo: Jurnal Pengabdian Masyarakat DZURRIYAT : Jurnal Pendidikan Islam Anak Usia Dini JSE: Jurnal Sharia Economica Al-Zayn: Jurnal Ilmu Sosial & Hukum Journal of Innovative and Creativity Adpebi International Journal of Multidisciplinary Sciences Paramacitra : Jurnal Pengabdian Masyarakat Ruang Komunitas : Jurnal Pengabdian Masyarakat IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Journal of Islamic Studies (Z-ISLAMICA) Amnesty: Jurnal Riset Perpajakan Advances In Education Journal
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Universitas Islam Negeri Alauddin Makassar
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The Effectiveness Of Implementing The Musyarakah Mutanaqisah (MMQ) Contract On The Financing Of Home Ownership Credit Products (KPR) BTN Syariah Makassar Branch Hamid, Supriadi; Supriani, Nuraisyah; Arsyad, Kamaruddin
Jurnal Ar-Ribh Vol 7, No 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.14524

Abstract

The purpose of this study was to find out how the implementation of the Musyarakah Mutanaqisah (MMQ) contract for financing home ownership credit (KPR) and to analyze the effectiveness of implementing the MMQ contract for financing KPR products at Bank BTN Syariah Makassar Branch. This type of research is a qualitative research with a descriptive approach. The data sources of this research are primary and secondary data . Data collection methods used in this research are observation, interviews, and documentation. The results of this study indicate that the implementation of the MMQ contract in financing KPR products at the Makassar Branch of BTN Syariah bank is that the bank and the customer jointly buy a house object and then agree to rent it out again to gain profit from the rental with a profit sharing ratio, where the customer as the owner as well as the tenant is obliged to pay installments bank principal and lease, the portion of bank ownership will decrease due to gradual purchases and full ownership for the customer of the object at the end of the period. The results of this study also explain that the application of the MMQ contract in financing KPR products of Bank BTN Syariah Makassar is still ineffective because in practice it still creates a conflict with the characteristics of MMQ.
Co-Authors - Trimulato, - A. Adi Putra Al Rafi, Fauzan Amir Hamzah Amir Hamzah Amiruddin Arifai, Samsul Arsyad, Kamaruddin Assiddiq, Mahfuz Asyraf Mustamin Aulia Ananda Putri Bani Adam I’tishan Baso Abiyyu binti Saban, Azizah Diarti Andra Ningsih Farid Fajrin Fauzia Fauzia Firman Natzir Hamzah Tacong Ilham Gani Ismail Halim Ismail Halim Ismawati Ismawati Ismawati Ismawati Juhasdi Susono Kamaruddin Kamaruddin Arsyad Kamaruddin Arsyad Kamaruddin Kamaruddin Kappa, M. Silmi Khaerunnisa Khaerunnisa, Khaerunnisa Lince Bulutoding Mar Athul Wazithah T Masrurah Arifin Bando, Ushwa Dwi Mirna Wati, Mirna Muchlish, Mustakim Muhammad Ashdaq Muhammad Ghalib Muhammad Rafli Muhammad Sabian Rafif Muhammad Wahyuddin Abdullah Muhammad, Fadil Muhlis Masin Muhlis Muhlis Mukhtar Lutfi Mustamin, Asyraf Mutmah Inna Nasrullah Bin Sapa Nur Isra' Ahmad Nur, Awal Nurafifah Nurhayati Yati Nurjannah Nurul Afni Nurul Fitrah Ilham Nurwahida Oktaviani, Ria Pusfa Farida Putri Ayu Ramadhani R Nurhayati Rachma Febriyanti Rahmatul Qadri Rahmawati Rizki Rahim Romzie Rosman Salma Abdullah Samsul Samsul Sari, Nur Rahma selmiana salam Sigit Sitti Fatimah Sombolayuk, Wilhalminus St Hafsah Umar Sudirman Sudirman Sudriman Sufiani Zahra Sufiani Zahra Sumarlin Sumarlin Supriani, Nuraisyah Surya Ningsih Syaharuddin Syariati, Namla Elfa Tri Mulato Tri Mulato Tri Suhendra Arbani Trisno Wardy Putra Ushwa Dwi Masrurah Arifin Bando