Widyawati, Pelangi Rizqa (2020) Implementasi Kesyariahan Pada Akad Musyarakah Mutanaqisah Dalam Produk Kredit Pemilikan Rumah (KPR) Di Bank Syariah (Studi Kasus Pada PT Bank BRI Syariah Tbk. KC Malang, Jawa Timur). Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk mengetahui mekanisme kesyariahan pada akad musyarakah mutanaqishah dalam Produk KPR di BRI Syariah. Peneltian ini menggunakan data primer diperoleh dari hasil wawancara dan data sekunder diperoleh dari literature, artikel, jurnal serta situs di internet. Penelitian ini terdepat Unit analisis yang terdiri dari Nasabah BRI Syariah yang memilih produk KPR inden, Staff Pegawai Marketing BRI Syariah KC Malang, Surat edaran tentang petunjuk pelaksanaan pembiayaan MMQ konsumer BRIS iB dan Dewan Pengawas Syariah oleh OJK. Penelitian ini merupakan penelitian kualitatif deskriptif yang menggunakan pendekatan studi kasus dengan memusatkan obyek tertentu pada suatu kasus untuk dipelajari. Metode dalam pengambilan data penelitian ini menggunakan Teknik dokumen, Teknik wawancara sedangkan metode keabsahan data menggunakan Triangulasi Sumber dan Triangulasi Metode. Hasil penelitian ini menunjukan bahwa produk KPR di BRI Syariah KC Malang yang menggunakan akad Musyarakah Mutanaqishah sudah sesuai dengan kesyariahan dengan Aspek kesyariahan diukur dengan kesesuaian akad, syarat, rukun yang ditinjau dari Qur’an, Hadist, dan DSN MUI. dan Implementasi produk KPR inden ini sudah dilaksanakan oleh salah satu nasabah BRI Syariah dengan benar sesuai dengan peraturan dari BRI Syariah KC Malang.
English Abstract
The purpose of this research is to discover the mechanism of sharia on musharaqa mutanaqisah in housing loans product of BRI Sharia. The primary and secondary data of this research were obtained from literature, articles, journals and websites on the internet and the subjects that were analyzed were the customers of BRI Sharia who choose Indent Housing Loans, the marketing employees of BRI Sharia of Branch Office of Malang, the joint circular concerning implementation instruction of financing musharaqa mutanaqisah of the customers of Internet Banking BRI Sharia and Sharia Supervisory Board by Financial Services Authority. Furthermore, the qualitative descriptive approach was applied on this research within case study method by focusing on the certain objects to be analyzed further. In addition, the data were collected by using several techniques and they were documentation and interview techniques, while the techniques used to verify the validity of the data were triangulation of data sources and research method. The results of this research show that the housing loans product of BRI Sharia of the branch office of Malang that implement the musharaqa mutanaqisah, is in accordance with the sharia aspects based on the appropriateness of the contract, terms and conditions, pillars in terms of Qur’an, hadith and National Sharia Council Fatwa of Indonesian Council of Ulama. Moreover, the implementation of Indent Housing Loans product has been implemented correctly by one of the customers of BRI Sharia complies within the regulations of BRI Sharia of the branch office of Malang.
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 0520020187 |
| Uncontrolled Keywords: | Musyarakah Mutanaqishah, Kesyariahan Perbankan Syariah, Produk KPR Inden, Musharaqa Mutanaqisah, The Sharia Aspects of Sharia Bank, Indent Housing Loans Product |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.7 Credit > 332.72 Real estate finance and mortgages > 332.722 Home finance (Residential finance) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 23 Feb 2021 04:33 |
| Last Modified: | 20 Sep 2024 06:39 |
| URI: | http://repository.ub.ac.id/id/eprint/183252 |
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