THE STRATEGIC ROLE OF BTN SYARIAH MARGONDA IN THE REALIZATION OF A USURY-FREE MURABAHA MORTGAGE AT PT. ABC GROUP: ANALYSIS BASED ON ISLAMIC LAW

Authors

  • Ade Zuki Damanik Universitas Islam Negeri Walisongo
  • Afif Noor Universitas Islam Negeri Walisongo
  • Mohamad Ichrom Universitas Islam Negeri Walisongo

DOI:

https://doi.org/10.20414/ijhi.v23i2.888

Keywords:

Murabaha, KPR, Islamic Law, Usury-Free Financing

Abstract

This study aims to analyze the application of the murabaha contract in the BTN Syariah Margonda Home Ownership Credit (KPR) product from the perspective of Islamic law. In the face of increasing demand for usury-free housing, BTN Syariah offers a solution through the murabaha contract, which guarantees home financing without involving the element of interest. Through cooperation with PT ABC Group, BTN Syariah Margonda provides a more transparent and fair financing alternative for the community. This research method uses a normative-empirical approach with interviews, observations, and documentation studies. The results show that the application of the Murabaha contract at BTN Syariah Margonda is in accordance with Sharia principles, where the profit margin is determined from the start, and the installments are fixed throughout the payment period. However, the main challenge is the need for a more public understanding of the differences between sharia and conventional mortgages. Nevertheless, the murabaha contract provides a positive impact in the form of financial certainty for customers and supports stable financial planning without being trapped in usury practices. This research also identifies the need to increase public education on the advantages of Sharia-based financing and the importance of the role of property developers who fully implement Sharia principles.

References

Abdul Gafoor, A. L. M. (2001). Islamic Finance: Law, Economics, and Practice. London: Cambridge University Press.

Abdul Rahman. (2010). Islamic Finance: Principles and Practice. Oxford University Press.

Ali, M. (2020). Ekonomi Islam: Teori dan Praktik. Prenadamedia Group.

Antonio, M. S. (2001a). Bank Syariah: Dari Teori ke Praktek. Gema Insani Press.

Antonio, M. S. (2001b). Bank Syariah: Teori dan Aplikasi. Gema Insani Press.

Chief Operating Officer (COO). (2024). Wawancara Dengan Chief Operating Officer (COO) PT. ABC Group.

DSN-MUI. (2000). Fatwa Dewan Syariah Nasional No. 04/DSN-MUI/IV/2000 tentang Murabahah. Direktori Putusan Mahkamah Agung, 1–6.

Gaffar, A. (2020). Prinsip dan Praktik Perbankan Syariah. Prenadamedia Group.

Hajar, S., Wirnan. (2023). Implementasi Manajemen Risiko Dalam Dunia Perbankan Syariah. 9(5), 500–513. https://doi.org/10.47435/adz-dzahab.v7i2.1123

Hamida, D. R. F., & Khotijah, S. A. (2022). Analisis Konsep Penerapan Murabahah Berdasarkan PSAK 102 pada Perbankan Syariah di Indonesia. Jurnal Akuntansi, 14(2), 346–359. http://114.7.153.31/index.php/jam/article/view/5374

Haqiqi, F. N., Yuni K, K. C., & Imam Sopingi. (2023). Implementasi Akad Murabahah Pada Produk Pembiayaan KPR Di BTN Syariah Jombang Dalam Mensejahterakan Masyarakat. Economic: Jurnal Ekonomi Dan Hukum …, 14(2), 192–199. https://doi.org/10.59943/economic

Ikbal, M., & Chaliddin, C. (2022). Akad Murabahah dalam Islam. Al-Hiwalah : Journal Syariah Economic Law, 1(2), 143–156. https://doi.org/10.47766/alhiwalah.v1i2.896

Intansari, A. I., & Fatimah. (2022). Comparative Analysis of Implementation of Murabahah Bil Wakalah Contracts and Musyarakah Mutanaqisah Contracts for Sharia Financing Products. Wealth: Journal of Islamic Banking and Finance, 1(2), 139–150. https://doi.org/10.24090/wealth.v1i2.7070

Januaryana, E. V., & Jalaludin. (2023). Analisis Penerapan Pembiayaan Murabahah Pada Jual Beli Nex Parabola di Primer Koperasi Kepolisian Resor Purwakarta. JAMMIAH (Jurnal Ilmiah Mahasiswa Ekonomi Syariah), 3(2), 124–139. https://journal.sties-purwakarta.ac.id/index.php/jammiah/article/view/197%0Ahttps://journal.sties-purwakarta.ac.id/index.php/jammiah/article/download/197/179

Karim, A. A. (2010). Islamic Banking: The Real Economy’s Drive. Gema Insani Press.

Majelis Ulama Indonesia. (2000). Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 tentang Murabahah.

Marliah, T., Tunggara, I., Ismiyanti, N., Pelita Nusa Bandung Barat, S., Kunci, K., Nasabah, K., & Griya Hasanah, K. (2024). Pengaruh Pembiayaan Pemilikan Rumah Griya Hasanah Terhadap Kepuasan Nasabah Di Bank Syariah Indonesia (Bsi) Kantor Cabang Pembantu Padalarang. Jurnal Pelita Nusa: Sosial Dan Humaniora, 4(1), 23–38. https://staipelitanusa.ac.id/

Maulana Yusuf. (2024). Wawancara Dengan Nasabah.

Muhamad Haikal. (2024). Wawancara Dengan Commercial, Small & Medium Financing Unit Head Bank BTN Syariah Margonda.

Muhammad Syafi’i Antonio. (2021a). Bank Syariah: Teori dan Praktik. Raja Grafindo Persada.

Muhammad Syafi’i Antonio. (2021b). Bank Syariah: Teori dan Praktik. Gema Insani Press.

MUI, D. S. N. (2017). Fatwa DSN MUI No. 111/DSN-MUI/IX/2017 tentang Akad Jual Beli Murabahah. Dewan Syariah Nasional MUI, 19, 1–7.

Musyarofah, S., Suryana, Y., & Ponirah, A. (2022). Sosialisasi Pembiayaan Bangun Rumah BTN iB dengan Akad Murabahah di Bank Tabungan Negara Syariah Kantor Cabang Surapati Core. Prestise: Jurnal Pengabdian Kepada Masyarakat Bidang Ekonomi Dan Bisnis, 2(2), 31–45. https://doi.org/10.15575/prestise.v2i2.24203

Nawir, A. (2021). Dampak Akad Murabahah terhadap Keamanan Nasabah di KPR Syariah. Jurnal Ekonomi Syariah, 5(1), 55–67. https://doi.org/10.26510/jif.v4i1

Nicken Anda Rohiman. (2024). Wawancara Dengan Nasabah.

Noor, A., Heradhyaksa, B. (2023). Hukum Lembaga Keuangan Syariah Non Bank Syariah (Issue April). Mutiara Aksara. https://doi.org/10.31219/osf.io/f6gvx

Noor, A., & Heradhyaksa, B. (2020). Execution Mechanism of Mortgage Rights Using Executorial Title in Sharia Banking Is Whose Authority? Diponegoro Law Review, 5(2), 245–259. https://doi.org/10.14710/dilrev.5.2.2020.245-259

Noor, A., & Wulandari, D. (2021). Inconsistency of Guarantee Norms on The Mudharabah Fatwas in Indonesia. International Journal of Multicultural and Multireligious Understanding, 8(12), 144. https://doi.org/10.18415/ijmmu.v8i12.3197

Putri, R. (2023). STRATEGI PEMASARAN PRODUK PEMBIAYAAN KREDIT PEMILIKAN RUMAH (KPR) SYARIAH. 8(30), 2019–2024. https://doi.org/https://doi.org/10.30651/jms.v8i2.18568

QS. Al-Baqarah:275. (2019). Al Qur’an dan Terjemahannya, Departemen Agama RI.

QS. An-Nisa’:29. (2019). Al Qur’an dan Terjemahannya, Departemen Agama RI.

Rahman, A. (2019). Prinsip-Prinsip Akad dalam Keuangan Syariah. (PT Rajagrafindo Persada (ed.)).

Rahmat Santoso, I., Niswatin, & Bahsoan, A. (2023). Analisis Akad Pembiayaan Pemilikan Rumah Di Bank Syariah: Pendekatan Parameter Maslahah. JIEI: Jurnal Ilmiah Ekonomi Islam, 9(01), 87–95. http://dx.doi.org/10.29040/jiei.v9i1.7138

Rambe, J. H., Imsar, I., & Anggraini, T. (2024). Analysis of Priority Banking Officer (Pbo) Marketing Strategy in Increasing the Number of Priority Customers Viewed From a Maqashid Syariah Perspective: Bank Sumut Kc Syariah Padangsidimpuan. Istinbath, 23(1), 168–188. https://doi.org/10.20414/ijhi.v23i1.752

Saeful, A., & Sulastri. (2021). Riba dan Bunga Bank dalam Perspektif Islam. Madani Syari’ah, 4(1), 40–53. https://stai-binamadani.e-journal.id/madanisyari’ah

Safitri, N., Mawardi, M., & Ramadani W, N. (2022). Analisis Implementasi Pembiayaan Kpr Syariah Dengan Akad Murabahah Pada Bank Syariah Indonesia Kc. Bandar Lampung Kedaton. Mu’amalatuna: Jurnal Ekonomi Syariah, 5(1). https://doi.org/10.36269/.v5i1.1087

Shalahuddin, M. A., & Fauziah, N. S. (2023). Implementasi Pembiayaan Murabahah pada Perbankan Syariah di Indonesia: Studi Literatur. Journal of Fiqh in Contemporary Financial Transactions, 1(1), 29–44. https://doi.org/10.61111/jfcft.v1i1.432

Suhandi, A. (2023). Strategi Fundraising Dan Program Pemberdayaan Masyarakat Untuk Meningkatkan Ekonomi Mustahik Pada Lembaga Filantropi Baznas Kabupaten Kuningan. AB-JOIEC: Al-Bahjah Journal of Islamic Economics, 1(1), 44–55. https://doi.org/10.61553/abjoiec.v1i1.22

Suretno, S., & Bustam, B. (2020). Peran Bank Syariah Dalam Meningkatkan Perekonomian Nasional Melalui Pembiayaan Modal Kerja Pada Umkm. Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam, 4(01), 1. https://doi.org/10.30868/ad.v4i01.752

Yusuf Al-Qaradhawi. (2022a). Fiqh Al-Zakah. Pustaka Al-Kautsar.

Yusuf Al-Qaradhawi. (2022b). Prinsip Ekonomi Syariah. Erlangga.

Zuardi, M., Nurhayati, N., & Marpaung, M. (2023). Model Keputusan Memilih Produk Berdasarkan Atribut Produk, Promosi Dan Komitmen Religius Dalam Meningkatkan Loyalitas Nasabah Produk Tabungan Di Bank Sumut Syariah. Istinbath, 21(2), 333–350. https://doi.org/10.20414/ijhi.v21i2.571

Downloads

Published

2024-12-10

Issue

Section

Articles