Implementasi ta’widh pada pembiayaan KPR studi kasus di BTN Syariah Cabang Jombang

Azizuddin, Imam ORCID: https://orcid.org/0000-0001-6068-8984 and Bahri, Saeful (2021) Implementasi ta’widh pada pembiayaan KPR studi kasus di BTN Syariah Cabang Jombang. Al-Mustashfa, 6 (1). pp. 24-33. ISSN 2549-4112

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Abstract

KPR BTN iB financing in BTN Syariah Jombang using murobahah and istishna' agreements in installments. This allows customers to experience late payment of installments, this results in BTN Syariah charging ta'widh to debtors. This study aims find: Implementation of Ta'widh on KPR financing in BTN Syariah Jombang and Review of fatwa DSN-MUI Number 43/DSNMUI/VIII/2004 in the procedure of determining ta'widh. The method used in this study is to take data according the facts with the method of Observation, Interview, and Library Study. The results of this study show that BTN Syariah is different from the fatwa DSN on the point of special provisions paragraph 3, in the contract should not list the value of the amount of Ta'widh. However, in practice, BTN has determined the amount of ta'widh, which is each Rp.100.000,- from the installment arrears set ta'widh amounting to Rp.67,- multiplied by the number of days of arrears.

Item Type:	Journal Article
Keywords:	Ta'widh, KPR Financing, Murobahah, and Istishna’
Subjects:	18 LAW AND LEGAL STUDIES > 1801 Law > 180127 Mu'amalah (Islamic Commercial & Contract Law) > 18012799 Mu'amalah (Islamic Commercial & Contract Law) not elsewhere classified
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Imam Azizuddin
Date Deposited:	30 Jun 2021 08:29

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