Tinjauan Hukum Ekonomi Syari’ah Tentang Proses Take Over Pembiayaan Kredit Pemilikan Rumah Antar Nasabah Dengan Nasabah

Abstract

Rumah sebagai kebutuhan hingga berbagai cara dilakukan salah satunya dengan cara Take Over pembiayaan KPR. Misalnya, mereka melakukan transaksi jual beli rumah dengan cara Take Over pembiayaan KPR melalui metode non-resmi tanpa melibatkan developer hanya antar nasabah baru dan nasabah lama dan biasanya dilakukan di depan notaris. Rumusan masalah dalam penelitian ini adalah bagaimana proses dan tinjauan Hukum Ekonomi Syari’ah tentang Take Over pembiayaan KPR di Perumahan Desa Suci Kec. Karangpawitan Kab. Garut? Tujuanya yaitu untuk mengetahui proses Take Over pembiayaan KPR dan hukumnya dalam Ekonomi Syariah di Perumahan Desa Suci Kec. Karangpawitan Kab. Garut. Penelitian ini termasuk penelitian lapangan (field research) dengan pendekatan kualitatif. Hasil dari penelitian bahwa Take Over pembiayaan KPR di Perumahan Desa Suci Kec. Karangpawitan Kab. Garut ini termasuk jenis Take Over di bawah tangan menggunakan akad Hawalah, sehingga tidak sesuai dengan syari’ah sebagaimana fatwa DSN-MUI No 12/DSN-MUI/IV/2000 tidak memenuhi syarat dan rukun hawalah dan apabila diketahui akan di denda. Yang sesuai syari’ah adalah Take Over resmi seperti Take Over antar Bank dan Take Over Jual Beli. Kata kunci : Hukum Ekonomi Syari’ah; Take over; KPRA house is a necessity, so there are various ways to do it, one of which is by taking over mortgage financing. For example, they carry out house buying and selling transactions by taking over mortgage financing using non-official methods without involving developers, only between new and old customers and usually done in front of a notary. The formulation of the problem in this research is how to process and review Sharia Economic Law regarding Take Over mortgage financing in the Suci Village Housing District. Karangpawitan District. Garut? The aim is to find out the KPR financing Take Over process and its laws in Sharia Economics in Suci Village Housing District. Karangpawitan District. Garut. This research includes field research with a qualitative approach. The results of the research show that Take Over mortgage financing in Suci Village Housing District, Kec. Karangpawitan District. Garut is a type of Take Over under the hand using the Hawalah contract, so it is not in accordance with sharia as in the DSN-MUI fatwa No. 12/DSN-MUI/IV/2000, it does not fulfill the requirements and harmony of hawalah and if it is found out, you will be fined. What is in accordance with sharia is official Take Over such as Inter-Bank Take Over and Buy and Sell Take Over  Keywords : Shari’ah Economic Law, Take Over, KPR