Implementation of Aqad Musyarakah Mutanaqisah (MMQ) Take Over Financing on KPR Products in Sharia Banks

Abstract

Abstract.     House Ownership Financing (PKR) there are various types of contracts used, one of which is Musyarakah Mutanaqisah (MMQ). However, financing through the Mushanaqishah Mutanaqishah pattern (MMQ) has some common problem in the banking world faced. This study aims to see how the implementation of Musharaka Mutanaqishah (MMQ) contract. Take Over financing on KPR products is in accordance with Fatwa DSN MUI Number: 73 / DSN-MUI / XI / 2008 concerning Musyarakah Mutanaqisah (MMQ) .This study use descriptive quantitative method. The population in this study were mortgage customers totaling 31 people with census techniques. The instrument in this study used a questionnaire. The results showed the implementation of Musyarakah Mutanaqisah (MMQ)  agreement. Take Over financing for KPR products is in a good category, although there are several indicators in the sufficient category. Keywords.    Musharakah Mutanaqisah (MMQ), Take Over Financing, Shariah Home Financing.