Main Article Content
Abstract
The research problem to be answered in this study are to identify further to what extent the implementation of wakalah contracts is implemented in financing home ownership and what obstacles are encountered in the field during the implementation of wakalah contracts in financing home ownership. The formulation of the problem raised is, first, how is the implementation of the wakalah agreement on the financing of home ownership at Bank Mega Syariah Gorontalo? Second, what are the obstacles found in the implementation of the wakalah contract on the financing of home ownership at Bank Mega Syariah Gorontalo? The research method used is empirical legal research. The data collection method is purposive sampling, namely taking samples using considerations based on predetermined criteria. The data obtained were obtained from interviews with respondents, then the data were analyzed and then presented in a qualitative descriptive manner. The results of this study conclude that the implementation of the wakalah contract by Bank Mega Syariah Gorontalo has complied with the rules set by Bank Indonesia and OJK. However, there are still shortcomings in relation to assistance to customers regarding the concept of financing home ownership using wakalah contracts.
Key Word: Wakalah Contract, Home Ownership Financing
Abstrak
Permasalahan penelitian yang ingin dijawab dalam penelitian ini yakni untuk mencari lebih lanjut sejauhmana pelaksanaan akad wakalah diimplementasikan dalam pembiayaan kepemilikan rumah serta kendala apa saja yang ditemui di lapangan saat pelaksanaan akad wakalah di dalam pembiayaan kepemilikan rumah. Rumusan masalah yang diangkat ialah, pertama, bagaimana pelaksanaan akad wakalah terhadap pembiayaan kepemilikan rumah di Bank Mega Syariah Gorontalo? Kedua, bagaimana hambatan yang ditemukan dalam pelaksanaan akad wakalah terhadap pembiayaan kepemilikan rumah di Bank Mega Syariah Gorontalo? Metode penelitian yang digunakan adalah penelitian hukum empiris. Metode pengumpulan data dengan purposive sampling yaitu mengambil sampel dengan menggunakan pertimbangan-pertimbangan berdasarkan kriteria yang telah ditetapkan terlebih dahulu. Data yang diperoleh didapat dari hasil wawancara pada responden kemudian data di analisis lalu disajikan secara deskriptif kualitatif. Hasil penelitian ini menyimpulkan bahwa pelaksanaan akad wakalah oleh Bank Mega Syariah Gorontalo telah memenuhi aturan yang ditetapkan oleh Bank Indonesia dan OJK. Namun, masih terdapat kekurangan kaitannya dengan pendampingan pada nasabah mengenai konsep pembiayaan kepemilikan rumah menggunakan akad wakalah.
Kata-kata Kunci: Akad Wakalah, Pembiayaan Kepemilikan Rumah
Keywords
Article Details
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References
- Remy Sjahdeini, Sutan, Perbankan Islam dan Kedudukannya dalam Tata Hukum Perbankan Indonesia, Pustaka Utama Grafiti, Jakarta, 2015.
- Saeed, Abdullah, Islamic Banking and Interest, A Study of Prohibition of Riba and its Contemporary Interpretation, E.J. Brill, Leiden, 2010.
- Usman, Rachmadi, Aspek Hukum Perbankan Syariah di Indonesia, Sinar Grafika, Jakarta, 2012.
- Keputusan Direksi Nursal, “Multi Akad dalam Transaksi Ekonomi Syariah”, Makalah Sertifikasi Hakim Ekonomi Syariah, Megamendung.
- Undang-Undang Nomor 10 Tahun 1998 pengganti Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan
- Bank lndonesia Nomor 32/36/Kep/Dir tentang Bank Perkreditan Rakyat.
- Dokumen akad KpR Bank Mega Syariah Gorontalo.
- Standar Produk Perbankan Syariah, Otoritas Jasa Keuangan Indonesia.
References
Remy Sjahdeini, Sutan, Perbankan Islam dan Kedudukannya dalam Tata Hukum Perbankan Indonesia, Pustaka Utama Grafiti, Jakarta, 2015.
Saeed, Abdullah, Islamic Banking and Interest, A Study of Prohibition of Riba and its Contemporary Interpretation, E.J. Brill, Leiden, 2010.
Usman, Rachmadi, Aspek Hukum Perbankan Syariah di Indonesia, Sinar Grafika, Jakarta, 2012.
Keputusan Direksi Nursal, “Multi Akad dalam Transaksi Ekonomi Syariah”, Makalah Sertifikasi Hakim Ekonomi Syariah, Megamendung.
Undang-Undang Nomor 10 Tahun 1998 pengganti Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan
Bank lndonesia Nomor 32/36/Kep/Dir tentang Bank Perkreditan Rakyat.
Dokumen akad KpR Bank Mega Syariah Gorontalo.
Standar Produk Perbankan Syariah, Otoritas Jasa Keuangan Indonesia.