TINJAUAN HUKUM ISLAM TERHADAP MEKANISME PEMBIAYAAN BSI GRIYA HASANAH
Abstract
Abstrak
Penelitian ini membahas tentang Tinjauan Hukum Islam terhadap mekanisme pembiayaan BSI Griya Hasanah di PT. Bank Syariah Indonesia Tbk. Kantor Cabang Makassar 1. Dalam penelitian ini dapat diangkat suatu rumusan masalah sebagai berikut: Bagaimana mekanisme pembiayaan BSI Griya Hasanah PT. Bank Syariah Indonesia Kantor Cabang Makassar, Bagaimana tinjauan Hukum Islam terhadap Pembiayaan BSI Griya Hasanah PT. Bank Syariah Indonesia Kantor Cabang Makassar 1 Jenis penelitian ini tergolong kualitatif dengan pendekatan penelitian yang digunakan adalah yuridis empiris. Adapun sumber data penelitian ini adalah Regional Financing Operation PT. Bank Syariah Indonesia Tbk. Kantor Cabang Makassar 1. Selanjutnya, metode pengumpulkan data yang digunakan adalah observasi, wawancara, dokumentasi. Lalu, teknik pengolahan dan analisis data dilakukan dengan melalui tiga tahapan, yaitu: klarifikasi data, reduksi data dan editing data. Hasil penelitian ini menunjukkan bahwa PT. Bank Syariah Indonesia Tbk. Kantor Cabang Makassar 1 menggunakan Akad Murabahah pada produk pembiayaan BSI Griya Hasanah yang ditawarkan oleh pihak PT. Bank Syariah Indonesia Tbk. Kantor Cabang Makassar 1 kepada Nasabah. Kesesuaian Fatwa DSN-MUI Nomor 04/DSN-MUI/IV/2000 Tentang Murabahah dengan praktik pada PT. Bank Syariah Indonesia Tbk. Kantor Cabang Makassar 1 menyimpulkan bahwa praktik akad murabahah pada bank sudah sesuai dengan 9 (sembilan) ketentuan dalam penerapan akad murabahah dari fatwa DSN MUI.
Kata Kunci: Griya Hasanah, Hukum Islam, Pembiayaan.
Abstract
This research discusses the Review of Islamic Law on the financing mechanism of BSI Griya Hasanah at PT. Bank Syariah Indonesia Tbk. Makassar Branch Office 1. In this study can be raised a formulation of the following problems: How the financing mechanism of BSI Griya Hasanah PT. Bank Syariah Indonesia Makassar Branch Office, how to review Hukum Islam against BSI Griya Hasanah Financing PT. Bank Syariah Indonesia Branch Office Makassar 1 This type of research is quite qualitative with the research approach used is empirical juridical. The source of this research data is Regional Financing Operation PT. Bank Syariah Indonesia Tbk. Makassar Branch Office 1. Furthermore, the methods of collecting data used are observations, interviews, documentation. Then, data processing and analysis techniques are carried out through three stages, namely: data clarification, data reduction and data editing. The results of this study show that PT. Bank Syariah Indonesia Tbk. Makassar Branch Office 1 uses Akad Murabahah on BSI Griya Hasanah financing products offered by PT. Bank Syariah Indonesia Tbk. Makassar Branch Office 1 to Customers. Conformity of Fatwa DSN-MUI Number 04/DSN-MUI/IV/2000 On Murabahah with practice at PT. Bank Syariah Indonesia Tbk. Makassar Branch Office 1 concluded that the practice of murabahah agreements at banks was in accordance with 9 (nine) provisions in the application of murabahah agreements from the DSN MUI fatwa.
Keywords: Financing, Griya Hasanah, Islamic Law.
Once an article was published in the journal, the author(s) are:
- to retain copyright and grant to the journal right licensed under Creative Commons License Attribution that allows others to share the work with an acknowledgement of the work's authorship.
- permitted to publish their work online in third parties as it can lead wider dissemination of the work, with an acknowledgement of its initial publication in this journal
- continue to be the copyright owner and allow the journal to publish the article with the CC BY-NC-SA license
- receiving a DOI (Digital Object Identifier) of the work.
