Non- Bank Islamic Mortgage in Maqashid al-Sharia Perspective
Abstract
Home mortgage or KPR is regarded as an alternative answer for possessing a house recently, Home mortgage should be possible either through Conventional bank and sharia bank. However, recently there have been new alternatives of owning home by using non-bank Islamic mortgage. Where the mortgage can presently be directly handled by the developer without involving the bank. The issues of this Paper are describing the opinion that non-Bank Islamic Mortgage is more sharia than Islamic Banking in providing Islamic Housing, such as no BI Checking, no riba, no fines, no confiscation, and etc. The purpose of this research is to identify the scheme of non-bank Islamic Mortgage, and analyse the scheme in Maqasid Sharia perspective as Importance foundation in religion. The methods in this study are descriptive analysis research. The data used is secondary data and data collection techniques are literature studies. After discussing, the results showed that Non-Bank Islamic Mortgage cause a lot of harm in term of customer and sharia developer it self in Maqāsid Sharia perspective.
Downloads
References
Abdul, A. D. (2003). Ensiklopedi Hukum Islam. Jakarta: Ichtiar Baru Van Hove.
Adiwarman Karim, O. S. (2015). Riba, Gharar Dan Kaidah-Kaidah Ekonomi Syariah. Jakarta: Rajawali Press.
Ascarya. (2013). Akad & Produk Bank Syariah. Jakarta: PT Rajagrafindo Persada.
Asy-Syatibi, A. I. (2005). Al-Muwafaqat Fi Ushuli Asy-Syariah. Beirut: Daarul Kutub Al-Ilmiah.
Asy-Syatibi, A. I. (2005). Al-Muwafaqat Fi Usuli Asy-Syariah (Vol. 1). Beirut: Beirut: Darul Kutub al-Ilmiyah.
Auda, J. (2007). Fiqh Maqasid Inasat Al-Ahkam Bi Maqosidiha. Herndon: IIIT.
Auda, J. (2011). Maqashid as-Syari’ah Dalil lil al-Mubtadi’in. Virginia: IIIT.
Az-Zahra, A. I. (2019). Ngaji Bisnis Zaman Now. Jakarta: Rafikatama.
Bahsan. (2002). Penilaian Jaminan Perbankan Indonesia. Jakarta: Rejeki Agung.
Bakri, A. J. (1996). Konsep Maqashid Syariah Menurut As-Syatibi. Jakarta: PT Rajagrafindo Persada.
Darsono Dkk, A. S. (2017). Dinamika Produk Dan Akad Keuangan Syariah Di Indonesia. Depok: Rajawali Pers.
Egi Arvian Firmansyah, D. R. (2017). Kredit Kepemilikan Rumah Syariah Tanpa Bank : Studi di Jawa Barat. Manajemen Teori Dan Terapan, 223-230.
Firmansyah, E. A. (2017). KREDIT PEMILIKAN RUMAH SYARIAH TANPA BANK: STUDI DI JAWA BARAT. Manajemen Teori dan Terapan, 223-230.
Firmansyah, E. A. (2018). A New Paradigm in Islamic Housing: Non-Bank Islamic. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics)., 10 (2), 313 – 324.
Hamdani, T. (2017, Mei 17). OJK: Tidak Ada Pengawas Developer, Masalah Utama KPR! Diambil kembali dari Oke Zone Economy: https://economy.okezone.com/read/2017/05/17/470/1693167/ojk-tidak-ada-pengawas-developer-masalah-utama-kpr
Haris, H. (2007). Pembiayaan kepemilikan rumah (sebuah inovasi pembiayaan perbankan syari’ah). La Riba: Jurnal Ekonomi Islam, 113–125.
Heykal, M. (2014). ANALISIS TINGKAT PEMAHAMAN KPR SYARIAH. BINUS BUSINESS REVIEW, 5 (2), 519-526.
Hosen, M. N. (2009). Musyarakah Mutanaqishah. Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah, 47-60.
Ifa, L. F. (2017). Jaminan dan Agunan Dalam Pembiayaan Bank Syariah dan Kredit Bank Konvensional. Jurnal Hukum & Pembangunan, 134-149.
Ifham, A. (2019). Ngaji Bisnis Zaman Now. Jakarta: Rafikatama.
KMJ. (2019, Agustus 03). Mau Ngutang ke Bank? Kenali Dulu BI Checking. Diambil kembali dari Economy Okezone: https://economy.okezone.com/read/2019/03/08/320/2027311/mau-ngutang-ke-bank-kenali-dulu-bi-checking?page=2
Lexy J, M. D. (2005). Metode Penelitian Kualitatif Edisi Revisi. Bandung: PT. Remaja Rosdakarya.
Mingka, A. (2015, September 17). Maqashid Syariah Dalam Ekonomi, Keuangan Dan Perbankan Syariah. Diambil kembali dari Iqtishad Consulting: https://www.iqtishadconsulting.com/content/read/blog/maqashid-syariah-dalam-ekonomi-keuangan-dan-perbankan-syariah
Muhammad. (2016). Manajemen Keuangan Syari’ah Analisis Fiqh Dan Keuangan. Yogyakarta: UPP STIM YKPN.
Muhammad Rizki Hidayah, K. N. (2018). ANALISIS IMPLEMENTASI AKAD ISTISHNA PEMBIAYAAN RUMAH (STUDI KASUS DEVELOPER PROPERTY SYARIAH BOGOR). Jurnal Ekonomi Islam, 9 (1), 1-12.
Redaksi, F. (2008). Kompilasi Hukum Ekonomi Syariah. Bandung: Fokusmedia.
Rizki, M. J. (2020, January 7). Marak Penipuan Berkedok Properti Syariah, Begini Saran REI! Diambil kembali dari Hukum Online: https://www.hukumonline.com/berita/baca/lt5e147a052f050/marak-penipuan-berkedok-properti-syariah--begini-saran-rei/
Sahroni, O. (2019). Fikih Muamalah Kontemporer. Jakarta: Republika.
Sholihin, A. I. (2008). Ini Loh Bank Syariah! Jakarta: PT Grafindo Media Pratama.
Smolo.E & Hasan, M. (2011). The Potentials of Musharakah Mutanaqisah For Islamic Housing FInance. International Journal Of Islamic And Middle Eastern Finance And Management, 4 (3), 237-258.
Sugiyono. (2013). Metode Penelitian Kualitatif dan R&D. Bandung: alfabetaCV.
Syahrul, S. (2020, February 14). Mangsa dan Modus Penipuan Properti Syariah. Diambil kembali dari DetikNews: https://news.detik.com/kolom/d-4899234/mangsa-dan-modus-penipuan-properti-syariah
W.J.S, P. (2006). Kamus Bahasa Indonesia. Jakarta: Balai Pustaka.
Zaidi, S. S. (2015). Standardization Of Islamic Marcet Indices Syed. Emerald Insight International Journal Of Commerce And Management, 33 (5), 883-895.