Legal Review and DSN-MUI Fatwa on the Prospects for Developing Sharia Financing Contracts in Sharia KPR Products of BPRS

Authors

  • Devid Frastiawan Amir Sup University of Darussalam Gontor, Indonesia (Corresponding Author)
  • Moh. Asror Yusuf UIN Syekh Wasil Kediri, Indonesia
  • Zayad Abd. Rahman UIN Syekh Wasil Kediri, Indonesia
  • Tate Agape Bawana University of Malaya, Malaysia

DOI:

https://doi.org/10.21111/aliktisab.v9i1.15262

Keywords:

Legal Review, DSN-MUI Fatwa, Contract, Sharia KPR, BPRS

Abstract

This research aims to analyze the prospects for developing sharia financing contracts in sharia KPR products of BPRS. This research uses qualitative, descriptive, and field research methods. The data sources for this research are the results of observations and documentation of legal review and DSN-MUI fatwa regarding sharia financing contracts for sharia KPR products of BPRS. The data obtained was then processed through the process of editing and organizing the data, then analyzed using the deduction method. The results, based on SEOJK, it is possible to develop sharia financing contracts for sharia KPR products of BPRS using salam and IMBT contract. Meanwhile, based on comparison between previous research and theoretical analysis in the form of DSN-MUI fatwa, it is possible to develop sharia financing contracts for sharia KPR products of BPRS using IMFD and MMBT contract. The conclusion, in general, sharia KPR products of BPRS are aimed to purchasing property, renovating property, building property, purchasing property as well as renovating, or take over financing from another bank that is similar to the KPR products, using murabahah, istishna’, or MMQ contract. In connection with the purposes of sharia KPR products of BPRS, it is possible for BPRS to be able to develop new contracts, namely salam, IMBT, IMFD, or MMBT contract. Meanwhile, for take over financing can use qardh is continued with bai' and murabahah contract, bai' and syirkah al-milk is continued with murabahah, qardh and ijarah separately, qardh is continued with IMBT, MMQ, hawalah bil ujrah, IMBT, mudharabah, or musyarakah.

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2025-05-01

How to Cite

Sup, Devid Frastiawan Amir, Moh. Asror Yusuf, Zayad Abd. Rahman, and Tate Agape Bawana. 2025. “Legal Review and DSN-MUI Fatwa on the Prospects for Developing Sharia Financing Contracts in Sharia KPR Products of BPRS”. AL-IKTISAB: Journal of Islamic Economic Law 9 (1):87-102. https://doi.org/10.21111/aliktisab.v9i1.15262.

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Vol. 9 No. 1 (2025)

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