Some consumptive financing at Bank Muamalat and BMT are intended for customers such as mortgage products (home ownership) and vehicles, several types of contracts are executed, namely Musyarakah Mutanaqishah (MMQ). However, financing in the Musyarakah Mutanaqishah (MMQ) contract pattern still faces common problems. This study focuses on knowing the implementation of the Musyarakah Mutanaqishah (MMQ) contract on housing and vehicle financing. The research method used is a descriptive qualitative method with a literature review approach with data collection techniques namely literature study. The results showed that the implementation of the MMQ contract on housing and vehicle financing at Bank Muamalat and BMT was in line with DSN MUI Fatwa No. 73/DSN-MUI/XI/2008 concerning Musyarakah Mutanaqishah (MMQ), due to the existence of terms and conditions that there is a capital contribution of both parties between Islamic financial institutions and customers. The customer asks the financial institution to issue a partnership capital for the purchase of a house/vehicle, then the financial institution also includes partial/complementary capital so that it is referred to as an association/musyarakah then the customer pays the rent, and shares the proceeds with the bank.
Maslahah are all forms of goodness with worldly and hereafter dimensions that bring goodness in all aspects that do not cause harm in production, distribution and consumption activities. The labeling of halal products in the manufacturing industry from the perspective of maslahah daruriyah focuses on halal guarantees, consumer protection is marked by halal symbol on the packaging. The purpose of this study was to determine the categorization of maslahah daruriyah on the labeling of halal products and consumption satisfaction with the labeling of halal products. The method is descriptive qualitative. The results of the study prove that the labeling of halal products is categorized as maslahah daruriyah which of course the obligation of halal labeling is carried out in stages because its existence is needed by human life for the benefit of maintaining religion, soul, mind, lineage and property. Consumption satisfaction known as maslahah with the understanding that the needs are fulfilled both physically and spiritually. Islam attaches great importance to physical and non-physical balance based on sharia values
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