Implementation of the Istishna' Contract in BTN Syariah Surabaya's Indent IB Mortgage Financing
DOI:
https://doi.org/10.61166/arfa.v3i1.80Keywords:
Akad Istishna', KPR (Home Ownership Loan)Abstract
The dense population in Indonesia makes the housing needs of each individual with ease of ownership an opportunity for Islamic banks in marketing their mortgage products. This study aims to determine the implementation of the Istishna contract in financing the Indent Ib Mortgage Bank BTN Syariah Surabaya. Methods used Qualitative research on library studies (Library Researc) with data collection techniques through interviews with staff of Bank BTN Syariah Surabaya. In mortgage financing, Indent Ib uses an istishna contract, the realization of funding is divided into stages. The first stage is 40% for the work on the house foundation, the second stage is 40% for the work on the roof cover, the third stage is 10% for the completion of the house construction and the fourth level is 10% for the issuance of IMB and Certificates.
Downloads
References
Adlini, M. N., Dinda, A. H., Yulinda, S., Chotimah, O., & Merliyana, S. J. (2022). Metode Penelitian Kualitatif Studi Pustaka. Edumaspul: Jurnal Pendidikan, 6(1), 974–980. https://doi.org/10.33487/edumaspul.v6i1.3394
BTN Syariah: Transaksi Aman dan Berkah Sesuai Syariah. (n.d.). Retrieved 12 July 2024, from PT Bank Tabungan Negara (Persero) Tbk Syariah website: https://www.btn.co.id/Syariah
Delia Desvianti, Mardiana Safitri, Serliana, & Zulfikar Hasan. (2024). The Role of Islamic Economics in Overcoming Economic Inequality and Realizing Development in Indonesia. Al-Fadilah: Islamic Economics Journal, 2(1), 1–9. https://doi.org/10.61166/fadilah.v2i1.16
Hilya Zulva, Syahnur Aida Alifia, & Muhammad Misbakul Munir. (2024). Understanding and Preferences of Islamic Finance Among Gen Z. Rihlah Iqtishad: Jurnal Bisnis Dan Keuangan Islam, 1(2), 84–94. https://doi.org/10.61166/rihlah.v1i2.17
Ilyas, R. (2018). ANALISIS SISTEM PEMBIAYAAN PADA PERBANKAN SYARIAH. Adzkiya : Jurnal Hukum Dan Ekonomi Syariah, 6(1). https://doi.org/10.32332/adzkiya.v6i1.1167
M.Ag, D. B. N. (2023). Perbankan Syariah di Indonesia. PT. RajaGrafindo Persada - Rajawali Pers.
Mighwar, M. A., & Mumtaz, S. H. (2023). Analysis of Housing Credit Financing Between Commercial Banks and Sharia Banks. Al-Arfa: Journal of Sharia, Islamic Economics and Law, 1(2), 74–83. https://doi.org/10.61166/arfa.v1i2.34
Nursyamsi, & dedi. (2022). Islamic Business Entrepreneurs: To Create Excellent, Courageous and Independent Muslim Entrepreneurs. ORGANIZE: Journal of Economics, Management and Finance, 1(1), 1–7. https://doi.org/10.58355/organize.v1i1.1
Nuzhuliya Mega Avifa, Samsul Arifin, & Ida Farida. (2024). The Impact of Central Bank Policy on Aspects of Bank Sharia Financial Behavior in the Money Market. Al-Fadilah: Islamic Economics Journal, 2(1), 52–60. https://doi.org/10.61166/fadilah.v2i1.19
Rania Ningsih, Bilal Kautsar Setiabudi, Moh azfahani zain, & Nasya Amelia Putri. (2024). Analysis of the Influence of Sharia Monetary Policy on Economic Development in Indonesia. Al-Fadilah: Islamic Economics Journal, 2(1), 39–51. https://doi.org/10.61166/fadilah.v2i1.18
Rochman, A., Triasih, D., & Abib, A. S. (2019). Tinjauan Hukum Islam Terhadap Sistem Transaksi Kredit Pemilikan Rumah (KPR) Di Bank Tabungan Negara Syariah (BTN Syariah) Semarang. Humani (Hukum Dan Masyarakat Madani), 7(3), 167–181. https://doi.org/10.26623/humani.v7i3.1425
Saiful Alfadz, & Muhammad Al Mighwar. (2024). Analysis of Murabahah Financing in Sharia Banking (Bank BJBS KCP Arcamanik Case Study). ORGANIZE: Journal of Economics, Management and Finance, 3(2), 123–129. https://doi.org/10.58355/organize.v3i2.53
Seli Diana Putri, & Muhammad Al Mighwar. (2024). Implementation of the Murabahah Agreement in Financing Pension Funds at Bank Syariah Indonesia RFO Bandung. Rihlah Iqtishad: Jurnal Bisnis Dan Keuangan Islam, 1(1), 13–27. https://doi.org/10.61166/rihlah.v1i1.3
S.H, P. D. S. R. S. (2018). Perbankan Syariah: Produk-produk dan Aspek-Aspek Hukumnya. Kencana.
Sunarta, D. A. (2023). Realisasi Pembiayaan Pemilikan Rumah Subsidi berdasarkan Prinsip Perbankan Syariah. Jurnal Ekonomi Bisnis Dan Akuntansi, 3(1), 110–117. https://doi.org/10.55606/jebaku.v3i1.1228
Trisna Eka Sari, Melisa, Seri Wahyuni, & Zulfikar Hasan. (2024). Theoretical Analysis of the Effectiveness of the Sharia Financial System in Facing the Global Economic Crisis. Rihlah Iqtishad: Jurnal Bisnis Dan Keuangan Islam, 1(2), 56–70. https://doi.org/10.61166/rihlah.v1i2.19
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Dila Iska Ariyanti, Mashudi
This work is licensed under a Creative Commons Attribution 4.0 International License.
