Comparative Analysis of Implementation of Murabahah Bil Wakalah Contracts and Musyarakah Mutanaqisah Contracts for Sharia Financing Products
Keywords:KPR, Murabahah bil wakalah
AbstractA home is a basic human need that plays an important role in the continuation of human life. The problem of housing and settlement has existed and will continue to exist in response to population growth, demographics and socio-economic needs. The high demand for housing and population growth provide opportunities for Islamic financial institutions to provide products that help people purchase housing. The purpose of this study is to determine the application of the Murabaha Contract and the Musharaka Mutanaqisah Contract and find a comparison of her two contracts in Islamic KPR funding. Knowing the mechanism and type of research represents field research. This research was conducted using qualitative methods with a descriptive approach. As a result of the research and analysis, it was found that the application of the Murabaha Bil Wakala Convention takes precedence over the Musharaka Mutanaqishah Convention. A comparison of the two loan agreements can then be viewed in terms of similarities and differences between the two agreements.
Amalia, YF (2017). Analysis of the application system of profit sale in Murabahah and Musyarakah Mutanaqisah contracts in distributing residential mortgages (KPR) to Bank BRI Syariah Malang Branch.
Andriani, F. (June 2019). Implementation of the Murabaha Accord and Musharaka Mutanakeesa in sharia bank housing finance (Bank Muarat case study). Az Zaqra', Vol. 11, No. 1, 104.
Shariah Banking Authority, O. (2016). Standards for Banking Products Musyarakah Musyarakah and Mutanaqisah Musyarakah Syariah. Edwin Rahmat Yulianto、M. (geb.) Immobilienfinanzierungsanalyse mit MMQ-Vertrag (Musyarakah Mutanaqisah)
(2008) Owning a home with a mortgage is easy. Jakarta:PT Pustaka Grahatama.
Hussain, M.T. (2019). Musyarakah Mutanaqisah critical review. Journal of Islamic Economics and Banking, 1 No. 1, 81. doi:10.31000/almaal.v1i1.1775 DOI: https://doi.org/10.31000/almaal.v1i1.1775
Iskandar, D. (2021). Implementation of his MMQ (Musyarakah Mutanaqisah) financing contract in subsidized Sharia KPR (Home Ownership Loan) at Bank 9 Jambi Syariah. 9.
muffs. (December 2018). KPR IB funding mechanism under the Murabaha Agreement for Islamic Banks. Zawiyah Journal of Islamic Thought, Vol. No. 4 2.95.
OJK, DP (2016). Murabahah Sharia Bank Commodity Benchmark. Jakarta
Widjajaadmadja, DA (2019). Murabaha finances contracts with Islamic banks in the form of genuine deeds that implement Shariah pillars, conditions and principles. poor:
How to Cite
Copyright (c) 2023 Anggita Isty Intansari, Fatimah
This work is licensed under a Creative Commons Attribution 4.0 International License.