Analisis Sharia Compliance Terhadap Akad Murabhaah Pada Produk KPR IB HIJRAH (Studi di Bank Muamalat Indonesia Pekalongan)

Elistia, Nada (2026) Analisis Sharia Compliance Terhadap Akad Murabhaah Pada Produk KPR IB HIJRAH (Studi di Bank Muamalat Indonesia Pekalongan). Undergraduate Thesis thesis, UIN. K. H. Abdurrahman Wahid Pekalongan.

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Abstract

Penelitian ini mengkaji kepatuhan syariah (sharia compliance) pada akad murabahah bil wakalah dalam produk KPR iB Hijrah di Bank Muamalat Indonesia Pekalongan. Pembiayaan rumah dipilih karena melibatkan tiga pihak, yaitu bank, nasabah, dan pengembang, sehingga rawan menyimpang dari rukun dan syarat sah murabahah, terutama soal kepemilikan objek oleh bank. Rumusan masalahnya adalah (1) bagaimana kesesuaian pelaksanaan akad tersebut dengan Fatwa DSNMUI No. 04/DSN-MUI/IV/2000 dan No. 10/DSN-MUI/IV/2000, serta (2) apa saja faktor pendukung dan penghambat penerapannya. Penelitian ini berjenis yuridis empiris dengan pendekatan perundangundangan dan konseptual. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi, kemudian dianalisis dengan model interaktif Miles, Huberman, dan Saldaña menggunakan teori sharia compliance dan teori kepatuhan hukum Soerjono Soekanto. Hasilnya menunjukkan bahwa pelaksanaan akad sudah sesuai dalam penggunaan akad wakalah serta keterbukaan harga, margin, tenor, dan angsuran. Namun, pada pembiayaan rumah baru atau inden terdapat potensi ketidaksesuaian pada aspek kepemilikan atau penguasaan objek, karena rumah belum selesai dibangun dan bukti kepemilikan bank belum ditemukan. Faktor pendukungnya Jmeliputi fatwa yang jelas, pengawasan Dewan Pengawas Syariah, dan kerja sama resmi dengan pengembang. Faktor penghambatnya meliputi ketergantungan bank padDa pengembang dan pemahaman nasabah yang terbatas terhadap akad. This study examines sharia compliance in the murabahah bil wakalah contract used in the KPR iB Hijrah product at Bank Muamalat Indonesia Pekalongan. Home financing was chosen because it involves three parties, namely the bank, the customer, and the developer, which makes it prone to deviating from the pillars and conditions of a valid murabahah, especially regarding the bank's ownership of the object. The research questions are (1) how the implementation of the contract conforms to DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 and No. 10/DSN-MUI/IV/2000, and (2) what the supporting and inhibiting factors in its implementation are. This is an empirical juridical study that uses statute and conceptual approaches. Data were collected through observation, interviews, and documentation, then analyzed using the interactive model of Miles, Huberman, and Saldaña, with sharia compliance theory and Soerjono Soekanto's legal compliance theory. The findings show that the contract is implemented in line with the requirements in terms of the use of the wakalah contract and the transparency of price, margin, tenor, and installments. However, in financing for new or preconstruction (inden) houses, there is potential non-conformity regarding the bank's ownership or control of the object, because the house has not been completed and evidence of the bank's ownership has not been found. The supporting factors include clear fatwas, supervision by the Sharia Supervisory Board, and formal cooperation with developers. The inhibiting factors include the bank's dependence on developers and customers' limited understanding of the contract.

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