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Analysis of the Mutanaqisah Musyarakah Contract as a Solution for Home Ownership Financing in Islamic Banking

Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE)

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Title Analysis of the Mutanaqisah Musyarakah Contract as a Solution for Home Ownership Financing in Islamic Banking
 
Creator Nurhayati, Yuli
Hasan, Asyari
 
Description The need for residential houses is currently increasing. Islamic financial institutions, especially Islamic banking, offer a variety of products and services to face the needs of the community. Murabahah contracts are still a prima donna product in Indonesia, but murabahah has many weaknesses in its implementation. The presence of musyarakah mutanaqisah can be the best solution for property ownership for the community. The research method used is a qualitative approach with descriptive analysis and literature. This study aims to analyze the implementation and advantages of musyarakah mutanaqisah contracts in financing home ownership in Islamic banking. The results of the analysis show that the implementation of MMQ can be a solution for the community in fulfilling their prerequisites, but there are many things in musyarakah mutanaqisah that must be understood so that this product can run well in Indonesia. The benefits of musyarakah mutanaqisah contracts for customers are financing with relatively longer terms and additional spare parts that are more affordable.
 
Publisher Prodi. Ekonomi Syariah, Institut Pesantren KH Abdul Chalim
 
Date 2022-04-05
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://e-journal.ikhac.ac.id/index.php/iijse/article/view/1770
10.31538/iijse.v5i1.1770
 
Source Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE); Vol 5 No 1 (2022): Sharia Economic: January, 2022; 390-408
2621-606X
10.31538/iijse.v5i1
 
Language eng
 
Relation https://e-journal.ikhac.ac.id/index.php/iijse/article/view/1770/888
 
Rights Copyright (c) 2022 Yuli Nurhayati, Asyari Hasan
http://creativecommons.org/licenses/by-sa/4.0