IMPLEMENTASI AKAD MURABAHAH PADA PEMBIAYAAN KPR DI BANK TABUNGAN NEGARA SYARIAH KANTOR CABANG BANDUNG

Ade Tuti Sapitri

Abstract


This study focuses on the problem of public doubts about Islamic banks. So this study aims (1) to determine the mechanism of mortgage
financing at the Islamic State Savings Bank Bandung Branch Office (2) to determine the implementation of the Murabahah contract
on mortgage financing at the Islamic State Savings Bank Bandung branch office. This type of research is by using a phenomenological
method with a qualitative approach that occurs in the community. This research data was also taken from primary and secondary
data, and the collection techniques used interview techniques, and documentation studies, with data analysis techniques using
data collection, data reduction, presentation, and drawing conclusions. The results of this study indicate that (1) the mechanism on
mortgage products at the State Islamic Savings Bank Bandung Branch Office, which is an institution that plays a role in channeling financing to the community through homeownership loans. There are two financing products at the State Savings Bank Sharia Branch Office, namely, iB Subsidized KPR financing and iB Platinum KPR. iB Subsidized Mortgage is housing finance that is assisted by the government. Meanwhile, KPR Platinum is a non-subsidized housing financing, that is, the regular amount of the margin is determined by the bank's policy. And both products are in accordance with the applicable mechanism. (2) Implementation of Murabahah Agreement on KPR products at the State Savings Bank Syariah Bandung Branch Office using a murabahah contract. In addition to murabahah contracts in mortgage financing, they also use wakalah contracts as murabahah companions. The murabahah contract must be in accordance with the DSN MUI fatwa because if it is not appropriate then the implementation applied is considered not appropriate. DSN MUI is on the down payment. So, the murabahah contract has not been implemented properly because there is one element of the murabahah contract that is not in accordance with the fatwa of the National Sharia Council.


Keywords


Murabahah Contract, Financing, KPR.

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Shidqia Nusantara jurnal Keuangan dan Perbankan diterbitkan oleh Program Studi Perbankan Syariah Fakultas Agama Islam Universitas Islam Nusantara Nusantara Bandung.

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