ANALISIS IMPLEMENTASI KEPATUHAN SYARIAH PADA PRODUK KPR RUMAH DI BANK UMUM SYARIAH
Abstract
This research is aimed at finding the characteristic and syariah obedience of Mortgage Loan product in BRI Syariah Bank, and at figuring out the implementation towards mortgage loan product in BRI Syariah Bank, especially regarding its process and contract in the financing of the mportgage loan.
This research was qualitative using interview method. The data of this research were collected through observation, documentation and direct interview with the respondents, who were the client of the mortgage loan financing. The interview was carried out with 10 clients as the respondents, followed by an interview wiyh 1 Bank Marketing staff. The approach used in this research was descriptive, in which it was to describe the facts and problems within the location of the research.
The results shows that the mortgage loan financing product has the characteristics of Murabahah contract. Murabahah contract is a transaction contract between the bank and the customers. The Murabahah contract has been accordance with syariah obedience because this contract has been informed in the beginning of the contract during the financing proposal, and there were no violation or dentrimental action. The mortgage loan product is specialized for BRI customers who have opened an account in BRI Syariah Bank. The mortgage loan product implementation has been in line with the principles or obedience of syariah. There has been no improper financing proposal implementation from the beginnig until the outgoing procces.