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Implementasi Akad Musyaraah Mutanaqisah dalam Kredit Pemilikan Rumah pada Perbankan Syariah

Year: 2024

Type: article

Abstract: The demand for home ownership continues to rise, prompting Islamic banking to create financing products through the Musyarakah Mutanaqishah contract as an alternative in Home Ownership Credit. This study aims to analyze the implementation of the Musyarakah Mutanaqishah contract within the context of Islamic banking. The research method used is qualitative descriptive. The findings indicate that while the Musyarakah Mutanaqishah contract is expected to enhance home accessibility for the public, its implementation in Islamic banks does not meet the regulations set forth in Fatwa DSN-MUI No. 73/DSN-MUI/XI/2008, particularly concerning the lack of capital contribution. As a result, the contract is deemed void despite being legally valid. This research contributes to providing insights into the challenges faced in implementing the Musyarakah Mutanaqishah contract within the Islamic banking system in Indonesia.

Source: Dalwa Islamic Economic Studies Jurnal Ekonomi Syariah

DOI: 10.38073/dies.v3i2.2236

Authors: Dhea Agustin, Anna Zakiyah Hastriana

Institution: Universitas Annuqayah

Language: English

Topic: Islamic Finance and Banking Studies

Subfield: Accounting

Field: Business, Management and Accounting

Domain: Social Sciences

Open Access status: diamond

OpenAlex ID: W4409735144

FWCI: 1.019

Cites: 16

Cited by: 1

Related to: 10