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All Journal Kartika: Jurnal Studi Keislaman El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Achmad Abdul Fatah
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Mekanisme Refinancing Syariah dalam Produk KPR Menggunakan Akad Musyarakah Mutanaqishah pada BTN KCPS Magelang Syifa Al Murtadho; Miftahur Rahman; Achmad Abdul Fatah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9665

Abstract

This study aims to analyze the mechanism of Sharia Refinancing in mortgage (KPR) products using the Musyarakah Mutanaqisah contract at BTN KCPS Magelang. The main issue addressed is whether this practice aligns with the fatwa issued by the Indonesian Ulema Council (MUI) regarding Sharia Refinancing. This research uses a case study approach, specifically field research, which involves direct access to the field through interviews with relevant parties and the collection of data from BTN KCPS Magelang. This ensures the data is credible and accountable. The analysis is conducted deductively, drawing specific conclusions from general questions. The results of the study conclude that Sharia Refinancing can be carried out through Take Over or Top Up financing, where a customer has an asset financed by another bank but is no longer able to make the payments. Consequently, the customer applies for a loan from another bank to finance the same asset, a process referred to as Sharia Refinancing. In terms of the pillars and conditions, mechanisms, and provisions, the Sharia Refinancing process complies with MUI Fatwa No. 89/DSN-MUI/XII/2013. Customers are allowed to engage in this refinancing process, provided they adhere to the established pillars, conditions, mechanisms, and provisions.
Mekanisme Refinancing Syariah dalam Produk KPR Menggunakan Akad Musyarakah Mutanaqishah pada BTN KCPS Magelang Syifa Al Murtadho; Miftahur Rahman; Achmad Abdul Fatah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9665

Abstract

This study aims to analyze the mechanism of Sharia Refinancing in mortgage (KPR) products using the Musyarakah Mutanaqisah contract at BTN KCPS Magelang. The main issue addressed is whether this practice aligns with the fatwa issued by the Indonesian Ulema Council (MUI) regarding Sharia Refinancing. This research uses a case study approach, specifically field research, which involves direct access to the field through interviews with relevant parties and the collection of data from BTN KCPS Magelang. This ensures the data is credible and accountable. The analysis is conducted deductively, drawing specific conclusions from general questions. The results of the study conclude that Sharia Refinancing can be carried out through Take Over or Top Up financing, where a customer has an asset financed by another bank but is no longer able to make the payments. Consequently, the customer applies for a loan from another bank to finance the same asset, a process referred to as Sharia Refinancing. In terms of the pillars and conditions, mechanisms, and provisions, the Sharia Refinancing process complies with MUI Fatwa No. 89/DSN-MUI/XII/2013. Customers are allowed to engage in this refinancing process, provided they adhere to the established pillars, conditions, mechanisms, and provisions.
Strategi Mitigasi Risiko Pembiayaan Muḍarabah pada Baitul Maal wat Tamwil (BMT) Lin Sururoh; Miftahur Rahman; Achmad Abdul Fatah
Kartika: Jurnal Studi Keislaman Vol. 6 No. 2 (2026): Kartika: Jurnal Studi Keislaman (May)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i2.561

Abstract

Risk management is an important aspect in maintaining the sustainability of Islamic financial institutions, particularly in muḍarabah financing, which is characterized by profit-sharing but also involves risks of loss and uncertainty. This study aims to analyze the risk mitigation strategies implemented by USPPS BMT An-Nawawi Berjan Purworejo in managing muḍarabah financing. The research method employs a qualitative approach with descriptive analysis, utilizing documentation, interviews with managers, marketing staff, and employees, as well as references from reliable sources. Data analysis techniques include reduction, display, and verification, while data validity is examined through triangulation. The findings indicate that risk mitigation strategies are effective, as evidenced by the annual decline in non-performing financing (NPF). The main strategy applied is reconditioning in risk management. Internal obstacles include employees’ lack of focus in analyzing prospective customers, while external obstacles arise from muḍarib customers who demonstrate poor intentions in fulfilling their obligations. Overall, the implementation of risk mitigation strategies at USPPS BMT An-Nawawi Berjan can be considered successful, as it minimizes problematic financing and supports the sustainability of muḍarabah products
Co-Authors Lin Sururoh Miftahur Rahman Syifa Al Murtadho