Pembiayaan Property Indent (Kpr Syariah) Ditinjau Dari Maqashid Syariah Dan Qawaidul Fiqhiyyah

Abstract

In meeting the need for housing, people with low incomes are very difficult to own a house in cash. The development product which was originally a conventional product, namely KPR, but in Islamic banking the system is used with profit sharing/margin so that it is without usury. The focus of this paper discusses how maqashid sharia and qawaidul fiqhiyyah review Sharia mortgages which are currently one of the prima donna products in Islamic banking. The author uses a normative juridical method, namely legal research using secondary data sources. Normative, because this study will examine secondary data starting from the review of maqashid sharia and qawaidul fiqhiyyah in the field of Islamic banking, especially in Sharia mortgages. Operationally, normative juridical research is carried out by means of library research. The results of this study are Islamic mortgages are allowed because they are part of carrying out the goals of sharia or maqashid sharia in the part of maintaining family and property, it is also assessed that home ownership is a daruriyah need of every human being so that with this Sharia mortgage it can provide benefits for Muslims in general also according to qawaidul fiqhiyyah contracts in Sharia mortgages are allowed by referring to several fiqh rules.

Factors Influence on the Buying Interest among Muslim Consumers of Micro, Small and Medium Enterprises' Snacks in Pasar Lama Tangerang, Indonesia

“…Buying interest is formed by consumers' attitudes towards a product, which stems from their beliefs about the product's quality. The lower the consumer's belief in a product, the lower their buying interest will be.Interest or intention in Islam is also considered as half of the action already done, for example, the intention in prayer, which is a pillar of prayer (Meichio Lesmana, Ahmad Suminto, 2021).…”

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“…Kedua, pendayagunaan, pengembangan, dan pemanfaatan teknologi yang dimiliki Masjid Raya Al Falah Sragen, khususnya BMT belum optimal dari segi weakness dan Tuntutan akan teknologi canggih yang mengakibatkan naiknya nilai investasi dan biaya operasional dari segi threats. Maka Masjid Raya Al Falah Sragen diharapkan bisa terus meningkatkan potensi yang dimiliki oleh lembaga keuangan masjid yaitu BMT, dengan tujuan agar bisa lebih optimal dalam strategi pengelolaan dan penyaluran dana ZISWAF (Meichio Lesmana, Ahmad Suminto, 2021).…”

House ownership financing: sharia economic perspective

“…Fatwa number 111 is the main fatwa regarding murābaḥah, so it can be used for all sharia buying and selling transactions. Meanwhile, for mortgage products issued by financing institutions such as Islamic banks, they must comply with the provisions (ḍawābiṭ) and limitations (ḥudūd) contained in the DSN-MUI fatwa number 4 on murābaḥah (Lesmana, Suminto, & Rosmitha, 2021).…”

“…The IMBT contract as the development of an ijārah contract to be applied or used in the economic activities of Muslims is inseparable from the principles of fiqh, which states that all forms of muamalah are permissible, unless there is evidence that forbids them, as long as they do not contain elements of garar, maisir, usury, unjust, rishwah, and forbidden objects (Lesmana et al, 2021).…”

“…The advantage of the MMQ contract is that the installments are lighter than using a murabaḥah contract. Because it uses capital cooperation transactions (shirkah) and ijārah, mortgages that use the MMQ scheme allow for an increase in customer mortgage installments if the bank as the leasing party feels the need to adjust the MMQ mortgage rental price (Lesmana et al, 2021). The permissibility of this scheme for financing home ownership has been regulated through the DSN-MUI fatwa no.…”