Home Financing Pricing Issues in the Bay’ Bithaman Ajil (BBA) and Musharakah Mutanaqisah (MMP)

Shahwan, Syahidawati; Mohammad, Mardhiah; Rahman, Zaharuddin Abdul

doi:10.7187/gjat402013.03.02

Cited by 28 publications

(42 citation statements)

References 10 publications

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“…Sebagai tambahan, kesepakatan jual beli juga harus terpisah dari musyarakah. Tidak dibolehkan satu kontrak menjadi suatu syarat untuk melakukan kontrak lainnya (AAOIFI, 2007;Shahwan, Mohammad, & Rahman, 2013) Ketentuan umum untuk musyarakah harus diterapkan kepada MMQ, terutama ketentuan tentang syirkah 'inan. Karenanya tidak dibolehkan bahwa kontrak dari MMQ memasukkan provisi yang memberikan keistimewaan bagi pihak manapun hak untuk menarik partisipasinya dalam modal.…”

Section: Hasil Dan Pembahasanunclassified

Analisis Implementasi Pembiayaan Musyarakah Mutanaqishah Pada Perbankan Syariah di Indonesia

Basyariah¹

2018

muqtasid

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This article aims to analyze the implementation of musyarakah mutanaqishah financing on Islamic banking in Indonesia, especially in facing the existence of three issues available in contract implementation (sharia issues, legal issues, and operational issues). The research method used in this research is descriptive qualitative method with an inductive analysis approach. The method of analizing the date is based on Law of Republic of Indonesia Number 21/2008 concerning Sharia Banking, DSN-MUI, Fatwa Number 73/2008 concerning Musyarakah Mutanaqishah, and AAOIFI Sharia Standards. The research findings showed that the implementation of MMQ on some points is not based on sharia law. In terms of legal and operational analysis based on BI rules on banking laws, there are indications of a discrepancy between the basic rules and its implementation in the field. The operational assignment of all payment obligations for fees deviates from AAOIFI standards and DSN fatwas, and there are no specific accounting standards related to MMQ. AbstrakArtikel ini bertujuan menganalisis implementasi pembiayaan musyarakah mutanaqishah pada perbankan syariah di Indonesia, terutama dalam menanggapi keberadaan tiga isu yang melekat pada implementasi akad (isu syariah, isu legal, dan isu operasional). Metode penelitian yang digunakan adalah metode kualitatif deskriptif dengan pendekatan analisis induktif. Analisis dilaksanakan berdasarkan Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 Tentang Perbankan Syariah, Fatwa DSN-MUI Nomor 73/2008 tentang Musyarakah Mutanaqishah, dan Standar Syariah AAOIFI. Hasil analisis menunjukkan bahwa implementasi MMQ pada beberapa point belum sesuai syariah. Dari sisi analisis legal dan operasional berdasarkan aturan BI tentang undang-undang perbankan terindikasi adanya ketidaksesuaian antara dasar aturan dengan implementasi di lapangan. Terkait operasional adanya pelimpahan semua kewajiban pembayaran atas biaya yang muncul menyimpang dari standar AAOIFI dan fatwa DSN dan belum ada standar akuntansi khusus terkait MMQ.Kata Kunci: musyarakah mutanaqishah; isu syariah; isu legal; isu operasional Muqtasid 9(2), 2018: 120-133

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Section: Hasil Dan Pembahasanunclassified

Analisis Implementasi Pembiayaan Musyarakah Mutanaqishah Pada Perbankan Syariah di Indonesia

Basyariah¹

2018

muqtasid

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“…House or shelter is imperative of all the necessities required for an individual to fulfill the important segments of life including protection of life and protection of wealth (Shahwan, Mohammad, & Rahman, 2013). There are a variety of different products available in the dual banking system which is either based on interest, offered by conventional banks, and Interest-free products offered by the Islamic banks.…”

Section: Customer's Attitude Towards Diminishing Partnership Home Finmentioning

confidence: 99%

The Moderating Effect of Age, Gender and Educational Level on Relationship between Emotional Intelligence and Job Satisfaction : An Analysis of the Banking Sector of Pakistan

Mohammad¹,

Akhtar²,

Rahman³

2018

MEJB

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Advanced manufacturing technologies are improving both the practice of medicine and the teaching of medicine. This paper reviews the application of specific simulation using lifelike physical models in the teaching of surgical techniques to medical and surgical students. The direct engagement of the teaching professionals in the design of the models,and as an ongoing strategic partnership and usage feedback loop, to address specific clinical pathogies and procedures and provide better teaching outcomes.

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“…al., 2014) albeit it will increase cost for banks (Othman et al, 2015). Otherwise, it looks like the Islamic banks is always for commercial than its welfare commitments (Shahwan et al, 2013).…”

Section: 2islamic Loan or Debt-based Financingmentioning

confidence: 99%

Issues Of Shariah In Islamic Loan In Malaysia: A Review

Sulong¹

2018

The European Proceedings of Social and Behavioural Sciences

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Home Financing Pricing Issues in the Bay’ Bithaman Ajil (BBA) and Musharakah Mutanaqisah (MMP)

Cited by 28 publications

References 10 publications

Analisis Implementasi Pembiayaan Musyarakah Mutanaqishah Pada Perbankan Syariah di Indonesia

Analisis Implementasi Pembiayaan Musyarakah Mutanaqishah Pada Perbankan Syariah di Indonesia

The Moderating Effect of Age, Gender and Educational Level on Relationship between Emotional Intelligence and Job Satisfaction : An Analysis of the Banking Sector of Pakistan

Issues Of Shariah In Islamic Loan In Malaysia: A Review

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