Kemungkiran Pemaju dalam Produk Pembiayaan Perumahan secara Islam: Analisis Pendekatan Penyelesaian

Mohd Sollehudin Shuib, Ahmad Azam Sulaiman, Mohammad Taqiuddin Mohamad

Abstract


ABSTRAK

Sehingga penghujung 2010, bank-bank yang menawarkan produk pembiayaan perumahan secara Islam di Malaysia telah mempelbagaikan penggunaan kontrak muamalat dalam menawarkan produk pembiayaan perumahan mereka. Kontrak-Kontrak yang digunakan termasuk Bay‘ Bithaman Ajil (BBA), Murabahah, Musharakah Mutanaqisah dan Istisna‘. Lebih 10 bank masih mengekalkan penggunaan kontrak BBA manakala yang lain telah mula memberi tumpuan kepada penggunaan kontrak pembiayaan berasaskan ekuiti seperti Musharakah Mutanaqisah. Penjualan rumah di Malaysia dilakukan dalam keadaan rumah tersebut masih belum dibina atau masih dalam pembinaan. Oleh itu, penawaran produk pembiayaan perumahan Islam memerlukan kontrak yang sesuai bagi memastikan wujudnya unsur adil dan ihsan sejajar dengan syariat Islam. Pemilihan kontrak yang tepat juga boleh mengelakkan stigma bahawa perbankan Islam bersifat zalim dalam kes-kes rumah terbengkalai. Justeru artikel ini cuba melihat pendekatan penyelesaian yang dilaksanakan oleh produk-produk secara Islam seperti Bay‘ Bithaman Ajil (BBA), Murabahah, Musharakah Mutanaqisah dan Istisna‘. Penelitian dalam kajian ini melibatkan tiga kaedah utama iaitu induktif, deduktif dan komparatif. Hasil penelitian menunjukkan pemilihan kontrak yang tepat dapat menyelamatkan pelanggan dari menanggung beban dalam kes-kes rumah terbengkalai.

Kata Kunci: Kemungkiran pemaju; Produk pembiayaan perumahan Islam; Kontrak muamalat

ABSTRACT

As of the end of 2010, banks that offer Islamic home financing products in Malaysia have diversified the use of muamalat contracts in offering their home financing products. The contracts include Bay 'Bithaman Ajil (BBA), Murabahah, Musharakah Mutanaqisah, and Istisna`. More than 10 banks still use the BBA contract while others begin to focus on the use of equity-based financing contracts such as Musharakah Mutanaqisah. In Malaysia, sales of a house can take place even before the house is built or when it is still under construction. Therefore, Islamic home financing products must be offered through an appropriate contract to ensure they encompass fair and compassionate elements consistent with the Islamic rules. Selection of a proper contract is crucial to circumvent the stigma that Islamic banking is unjust in cases of abandoned houses. Hence, this article tries to see how this problem is addressed specifically in four Islamic products; Bay 'Bithaman Ajil (BBA), Murabahah, Musharakah Mutanaqisah, and Istisna'. In its analysis, this study applies three methods; inductive, deductive and comparative methods. The results show that certain contracts are better than others in protecting customers from directly assuming the burden in cases of abandoned houses.

Keywords: Default developer; Islamic home financing products; Muamalat contracts


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