Pemilihan Pembiayaan KPR (Kredit Pemilikan Rumah) Dengan Akad Murabahah (Studi kasus di Bank Muamalat Tbk Cabang Pembantu Samarinda Seberang)

Sapi'i Sapi'i, Agus Setiawan

Abstract


Having your own home is the dream of all people, even being the basic human needs that must be met. But most people cannot afford to buy with cash to buy in installments or credit and the bank Muamalat itself, provided a variety of KPRS that can be selected according to the needs and interest free. Having your own home is no longer a difficult one, because there are the housing loans granted by banks commonly called mortgage (KPR). Bank Muamalat was present meet the demand of people with the name Residential Syariah financing from Bank Muamalat is a financing facility for residential property in accordance with Islamic principles. Thatneeds with of the community in the ownership of the house in installment and in accordance with Islamic principles. The purpose of this study to determine Factors Influencing the Customer in choosing a mortgage with AkadMurabaha Financing. This study concluded that the factors Customers Choose AkadMurabaha Financing mortgages with Religion is a factor, Factor Location Factor, Friends, Ad Factors, Economic Factors, Care Factor.


Keywords


Mortgage financing, murabahah, KPRiB Muamalat, interest fee.

Full Text:

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References


Dapertemen Agama RI. Al-Qur’an dan Terjemahnya, Semarang: PT Kumudasmoro Grafindo: 1994

Mushthafa, Ahmad, Tafsir Al-Maraghi, CV. Toha PUTRA Semarang 1987

Rivai, Veithzal, Islamic transaction law in Business, Jakarta :Bumi Aksara, 2011

Sutedi, Adrian, Perbankan Syariah, Tinjauan beberpa segi hukum, Jakarta: Ghalia Indonesia, 2009

Taqdir, Meity, Kamus Bahasa Indonesian Untuk Pelajar, Jakarta : Kementerian Pendidikan dan Kebudayaan, 2011

Situs dan Media Massa

Cara Mudah Memahami dan memilih KPR, “artikel diakses pada 16 agusutus 2014 dari http://www.housing-estate.com

www. MuamalatBank.com/home/produk/sewa_KPR, tanggal akses 26 maret 2014

Wawancara

Bapak Muhammad Ghuzali, Kepala Cabang Pembantu Samarinda Seberang

Bapak Syamsudin, Nasabah Bank Muamalat

Bapak Sugiyanto, Nasabah Bank Muamalat

Hernawati, Nasabah Bank Muamalat

Ibu Dini Kartika, Manajer Marketing Cabang Pembantu Samarinda Seberang

Ibu Saidi, Nasabah Bank Muamalat

Ibu Tika, Nasabah Bank Muamalat




DOI: https://doi.org/10.21093/at.v2i1.688

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