ANALISA PERBANDINGAN PEMBIAYAAN HUNIAN SYARIAH DENGAN AKAD MURABAHAH DAN AKAD MUSYARAKAH PADA BANK MUAMALAT (STUDI KASUS PADA BANK MUAMALAT SURABAYA)

Abstract

One of consumer financing product from Bank Muamalat is Hunian
Syariah Financing. Bank Muamalat gives two options of contract, that is
Murabahah contract (Sale and Purchase) and Musyarakah contract (Lease
Cooperation). In this journal, the author try to analyze the comparison of Hunian
Syariah Financing with Murabahah contract and Musyarakah contract at Bank
Muamalat. The methods that used is descriptive qualitative. The results is at
Murabahah contract, bank buy a house for customer then the customer pay
installment payment every month. While in Musyarakah contract occurred joint
venture between bank and customer, where customer has to pay to the bank with
the same portion belonged to the bank.
Key words : Hunian Syariah Financing, Murabahah, Musyarakah, Bank
Muamalat