HYBRID CONTRACT ON ISLAMIC MORTGAGES PRODUCT USING MURABAHAH AGREEMENT (BANK SYARIAH MANDIRI PONOROGO)

Muhammad Ghozali, Abdul Hafidz Zeid, Roifatus Syauqoti

Abstract


Islamic banking is required to innovate with hybrid contracts, as the single contract is unable to respond to contemporary financial transactions. One of the Islamic banking products adapted from conventional banking is Islamic Mortgages (KPRS) which is applied using Murabahah, Ijarah Muntahiyyah Bi at-Tamlik (IMBT) and Mutanaqisah Mutanaqisah, but Murabahah contract still dominates compared to other akad. Nevertheless, Murabahah contract still raises a lot of debate because it contains hybrid contracts that are still a debate of scholars. In addition, KPRS products with murabahah schemes and IMBT are considered controversial products formulated from the Hilah method. The Murabahah Akad pattern is also often considered the same as conventional banking credit patterns. This article uses a qualitatively descriptive approach to which data sources are obtained with interviews, observations and documentation that are then analyzed inductive. Finally, this article found that KPRS products in Bank Syariah Mandiri use the Murabahah bil Wakalah contract which is hybrid contracts. Wakalah contract is a grant of power from the bank to the customer for home price negotiation to the developer not for home purchase. This is to reduce the risk of side streaming and the risk of return of goods. The merger of Murabahah contract and Wakalah contract has obeyed the sharia rules and does not contain the haraam which is forbidden because it contains a mashalah for banks and customers.


Keywords


Hybrid Contracts; Islamic Mortgages; Murabahah bil Wakalah;

Full Text:

PDF

References


Abdulahanaa, Kaedah-Kaedah Keabsahan Multi Akad (Hybrid Contract), Cet-I, (Tanpa Kota: Pustaka Nurul Ilmi, 2014)

Abdullah bin Muhammad bin Abdullah al-Imrani. al-Uqud al-Maliyyah al-Murakkabah, Cet-2, (Riyadh: Dar Kunuz Isybiliyya, 2010)

Abi Bakar bin al-Araby al-Ma’arify. Kitab al- Qabas fi Syarhi Muwatha Malik bin Anas, Cet-1, (Beirut: Dar al-Gharb al-Islamy, 1992)

Abi Isa Muhammad bin Isa al-Tirmidzi. al-Jami’ al-Kabir, Cet-1, (Beirut: Dar al-Gharb al-Islamy, 1996)

Abi Ishaq Burhanuddin Ibrahim bin Muhammad bin Abdullah bin Muhammad bin Muflih al-Hanbali. al-Mubdi’ Syarhu al-Muqni’, Cet-1, (Beirut: Dar al-Kutub al-Ilmiyyah, 1997)

Abi Ja’far Muhammad bin Jarir al-Thabari. Tafsir al-Thabari Jamiu al-Bayan ‘an Ta’wili Ayyi al-Qur’an, Cet-1, Jilid 5, (Kairo: Dar Hijr, 2001)

Abi Muhammad ‘Abdullah bin Ahmad bin Muhammad bin Qudamah, al-Kafi, (Riyadh: Dar Hijr, 1997)

Abi Muhammad ‘Abdullah bin Ahmad bin Muhammad bin Qudamah. al-Mughni, Cet-3, (Riyadh: Dar ‘Alamul Kutub, 1997)

Afif, Mufti dan Richa Angkita Mulyawisdawati. 2016, “Celah Riba pada Perbankan Syariah serta Konsekwensinya Terhadap Individu, Masyarakat dan Ekonomi”, Jurnal Cakrawala, Vol. XI, No. 1

Afrida, Yendi. Juli-Desember 2016, “Analisis Pembiayaan Murabahah di Perbankan Syariah”, JEBI (Jurnal Ekonomi dan Bisnis Islam), Vol. 1, No. 2.

Ahmad bin Hanbal. Musnad al-Imam Ahmad bin Hanbal, Cet-1, (Beirut: Muassasah al-Risalah, 1995)

Al-Kaby, Sa’du al-Din Muhammad, al-Muamalat al-Maliyah al-Mu’ashiroh fi Dhoui al-Islam, Cet-1, (Beirut: al-Maktab al-Islamy, 2002)

Al-Khulufy, Isa Muhammad Abdu al-Ghany. al-Hiyal al-Fiqhiyyah wa ‘Alaqatiha bi A’mali al-Mashrafiyyah al-Islamiyyah (Dirasah Fiqhiyyah Tathbiqiyyah fi Dhaui al-Maqashid al-Syar’iyyah), Cet-1, (Riyadh: Dar Kunuz Isybiliya, 2015)

Fatwa Dewan Syariah Nasional, No. 04/DSN-MUI/IV/2000 tentang Murabahah, p. 4, dalam https://dsnmui.or.id/category/fatwa/, diakses pada 3 Maret 2018, pukul 22:35

Fuaidi, Isyrokh dan Muhammad Kholiluzzair. Oktober 2016, “Membangun Konsep Hybrid Contract Untuk Pengembangan Produk Multi Faced Perbankan Syariah”, JIE Jurnal Islamic Review, Vol. 5, No. 2.

Haiah al-Muhasabah wa al-Murajaah li al-Muassasah al-Maliyah al-Islamiyyah. al-Ma’ayir al-Syar’iyah, (Manama: Maktabah al-Malik Fahd al-Wathaniyah, 2017)

Hamad, Nazih. Qadhaya Fiqhiyyah Mu’ashiroh fi al-Mal wa al-Iqtishod, Cet-1, (Damaskus: Dar al-Qalam, 2001)

Harahap, Raja Sakti Putra. Agustus 2016, “Hukum Multi Aqad dalam Transaksi Syariah”, Jurnal al-Qasd, Vol. 1, No. 1.

Haris, Helmi. Juli 2007, “Pembiayaan Kepemilikan Rumah (Sebuah Inovasi Pembiayaan Perbankan Syari’ah)”, La_Riba: Jurnal Ekonomi Islam, Vol. 1, No. 1.

Imam al-‘Alamah ibn Manzur. Lisanul ‘Arab, Cet-2, (Beirut: Dar Ehia al-Tourath al-Arabi, 1999)

Imama, Lely Shofa. 2014, “Konsep dan Implementasi Murabahah pada Produk Pembiayaan Bank Syariah”, Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah, Vol. 1, No. 2.

Isfandiar, Ali Amin. November 2013, “Analisis Fiqh Muamalah tentang Hybrid Contract Model dan Penerapannya pada Lembaga Keuangan Syariah”, Jurnal Penelitian, Vol. 10, No. 2.

Jamaludin, Ijang. 2017, “Hybrid Contract According to Sharia Economic Law”, Journal of Economicate Studies, Vol. 1, No. 1.

Kurniawan, Afit dan Nur Inayah. Desember 2013, “Tinjauan Kepemilikan Dalam KPR Syariah: Antara Murabahah, Ijarah Muntahiyyah Bittamlik, dan Musyarakah Mutanaqisah”, Jurnal Equilibrium, Vol. 1, No. 2.

Lathif, Ah. Azharuddin. Juni 2012, “Konsep dan Aplikasi Akad Murabahah pada Perbankan Syariah di Indonesia, Jurnal Ahkam, Vol. XII, No. 2

Ma’luf, Louis. Munjid fi al-Lughoh wa al-A’lam, (Beirut: Dar al-Masyriq, t.t)

Mardhiah, Izzatul. Januari 2017, “Hilah dalam Produk Pembiayaan Syariah (Evaluasi Skema Akad KPR Murabahah dan Gadai Syariah)”, HAYULA: Indonesian Journal of Multidisciplinary Islamic Studies, Vol. 1, No. 1.

Maulana, Hasanudin. Januari 2011, ”Multi Akad dalam Transaksi Syariah Kontemporer pada Lembaga Keuangan Syariah di Indonesia”, Jurnal Al-Iqtishad, Vol. 3, No. 1.

Mihajat, Muhammad Iman Sastra. 2015, “Hybrid Contract in Islamic Banking and Finance: A Proposed Shariah Principles and Parameters for Product Development”, European Journal of Business and Management, Vol. 7, No. 16.

Muhammad bin Ali bin Muhammad Al-Syaukani. Nailu al-Awthar, (t.k: Baitu al-Afkar, 2013)

Musawar. 2016, “Pandangan Tuan Guru Lombok terhadap Multi Akad dalam Muamalah Maliyah Kontemporer”, Jurnal Ijtihad, Jurnal Wacana Hukum Islam dan Kemanusiaan, Vol. 16, No. 1.

Nugraheni, Destri Budi. Juli 2015, Analisis Yuridis Multi Akad dalam Pembiayaan Pengalihan Hutang pada PT Bank BRI Syariah”, MIMBAR HUKUM, Vol. 27, No. 2.

Pratiwi, Rahmi dan Noprizal. 2017, “Formulasi Hybrid Contract sebagai Alternatif Pembiayaan Pertanian di Bank Syariah, Al-Falah: Journal of Islamic Economics, Vol. 2, No. 2.

Pratiwi, Winda Ika dan Moch Novi Rifa’i. Agustus 2017, “Implementasi Akad Murabahah dan Ijarah Muntahiyah Bit Tamlik pada Produk KPR BRI Syariah KC Malang Kawi”, Falah: Jurnal Ekonomi Syariah, Vol. 2, No. 2.

Riyadh bin Rasyid Abdullah Ali Rasyud. al-Tawaruq al-Mashrafy, Cet-1, (Qatar: Wizaratu al-Awqaf wa al-Syu’un al-Islamiyyah bi tamwil al-Idarah al-‘Amah li al-Awqaf, 2013)

Sari, Nurma. April 2017, “Analisis Perbandingan Perhitungan Pembiayaan Kepemilikan Rumah di Bank Konvensional dan Syariah (Studi Kasus pada Bank Mandiri dan BRI Syariah)”, Jurnal al-Maslahah, Vol. 13, No. 1.

Setiadi, Atep. 2017, “Implementation of the Concept of al-‘Uqud al-Murakkabah on Sharia Financial Institutions”, Journal of Economicate Studies, Vol. 1, No. 1.

Suhendar, Heris. 2017, “Implementation of Hybrid Contracts Concept of Sharia Pawn in Sharia Banking”, Journal of Economicate Studies, Vol. 1, No. 1.

Susamto, Burhanuddin. Juni 2016, “Tingkat Penggunaan Multi Akad dalam Fatwa Dewan Syari’ah Nasional-Majelis Ulama Indonesia (DSN-MUI)”, Jurnal Al-Ihkam, Vol. 11, No. 1.

Syamsu al-Din Muhammad bin al-Khotib al-Syarbini. Mughni al-Muhtaj, Cet-1, (Beirut: Dar al-Ma’rifah, 1997)

Tarmizi, Erwandi. Harta Haram Muamalat Kontemporer, Cet-15, (Bogor: Berkat Mulia Insani, 2017)

Yusuf bin Abdullah al-Syabili, al-Khidmah al-Istithmariyyah fi al-Masharif wa Ahkamiha fi al-Fiqhy al-Islamy, (Riyadh: Jamiatu al-Imam Muhammad bin Su’ud al-Islamiyyah, 2002)




DOI: http://dx.doi.org/10.30984/tjebi.v5i1.1076

Article Metrics

Abstract view : 1782 times
PDF - 622 times

Refbacks

  • There are currently no refbacks.


Tasharruf: Journal Economics and Business of Islam is indexed by:

JURISMA : Jurnal Riset Bisnis & Manajemen
       



       

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

________________________________________________________
Tasharruf: Journal Economics and Bussiness of Islam is published by Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri (IAIN) Manado

Jl. Dr. S. H. Sarundajang Kawasan Ring Road I Malendeng Manado, Sulawesi Utara, Indonesia 95128
Email: tasharruf@iain-manado.ac.id

ISSN Print: 2528-0317 ISSN Online: 2528-0325