Analisis Komparatif Pembiayaan MMQ dan KPR Konvensional
DOI:
https://doi.org/10.51903/e-bisnis.v18i1.2778Keywords:
Musyarakah Mutanaqisah, Islamic financing, mortgage, home ownership, community welfareAbstract
Musyarakah Mutanaqisah (MMQ) is a form of sharia-based financing that offers a home ownership solution free from elements of interest (riba). This article aims to analyze the application of the MMQ contract in housing finance, compare it with the conventional mortgage scheme (Kredit Pemilikan Rumah/KPR), and evaluate its impact on community welfare. This study employs a descriptive qualitative approach through literature review of academic sources, regulations, and other relevant data. The analysis shows that MMQ is superior in terms of compliance with Islamic principles, fairness in risk sharing, and flexibility in payment structure. Furthermore, the MMQ scheme contributes to the improvement of social and economic well-being, particularly for the lower-middleincome segment of society. Nevertheless, its implementation still faces challenges such as the risk of default and the need for strengthened risk management systems. Therefore, collaboration between Islamic financial j, the government, and the public is essential to optimize the potential of MMQ as a fair and sustainable alternative for home financing
References
Abdurrahman, Muhammad Mufid, and Arqam Arroyah Mondika. 2023. “Sistem Ekonomi Islam Dan Kesejahteraan Sosial.” JEBESH Journal Of Economics Business Ethnich and Science Histories I (1): 140–47.
Akmal, Ulhaq. 2009. “Implementasi Musyarakah Mutanaqisah Sebagai Alternatif Murabahah Terhadap Pembiayaan Perumahan Griya Pada Bank Syariah Mandiri Kc Bintaro.” Jakarta: PT Mizan Publika
617 (Ensiklopedia Tasawuf Imam Al-Ghazali (Mudah Memahami dan Menjalankan Kehidupan Spiritual)): 291.
Dewan syariah Nasional. 2008. “Fatwa Dewan Syariah Nasional No: 73/DsnMui/Xi/2008 Tentang Musyarakah Mutanaqisah.” Dewan Syariah Nasional MUI, no. 51: 1–6.
Fatmasari, Nabila. 2013. “Analisis Sistem Pembiayaan KPR Bank Konvensional Dan Pembiayaan KPRS Bank Syariah (Studi Kasus Bank BTN Dengan Bank Muamalat).” Jurnal Akuntansi AKUNESA 1 (3): 1–25.
Ilmi, Raudhatul, Titin Agustina, Adi Ardiyansyah, and Siti Nur Hidayati. 2024. “JFINE Peran UMKM Dalam Meningkatkan Kesejahteraan Perekonomian Masyarakat Kabupaten Sumbawa” 2 (2): 34–42.
Imronah, ‘Ainul. 2018. “Musyarakah Mutanaqishah.” Al-Intaj : Jurnal Ekonomi Dan Perbankan Syariah 4 (1). https://doi.org/10.29300/aij.v4i1.1200.
Iswahyuni, Iswahyuni. 2022. “Implementasi Akad Musyarakah Mutanaqisah Pada Pembiayaan Kredit Pemilikan Rumah Di Bank Danamon Syariah KC Gunung Agung Denpasar.” Widya Balina 7 (1): 339–44. https://doi.org/10.53958/wb.v7i1.164.
Jannah, Miftahul. 2023. “PEMAHAMAN MASYARAKAT TENTANG PERBANKAN SYARIAH (Studi Kasus Di Kampung Adi Jaya Kecamatan Terbanggi Besar Kabupaten Lampung Tengah).” Jurnal Ekonomi Dan Bisnis Islam 2 (xx): 5.
Susenas BPS 2023, Laporan Kementerian PUPR, pernyataan Wamen Fahri (21 April 2025) http://pembiayaan.pu.go.id
Nugraha, Naufal Satria. 2025. “Kredit Pemilikan Rumah Di Bank Konvensional Dan Bank Syariah Dalam Perbandingan Mekanisme Risiko Dan Keuntungan Bagi Nasabah” 2 (June): 159–64.
Purnamasari, Susi. 2022. “Implementasi Pembiayaan Musyarakah Mutanaqishah Pada Bank Kalbar Syariah.” Jurnal Muamalat Indonesia - Jmi 2 (2): 137–49. https://doi.org/10.26418/jmi.v2i2.58022.
Safitri, Linda, Lineke Regita Cahyani, Feri Susanto, Meza Alim Meliza, and Tutik Anjaswari. 2022. “Implementasi Akad Musyarakah Mutaqisah Pada Pembiayaraan Kpr Di Bank Panin Dubai Syariah
KC Malang.” DIES: Journal Of Dalwa Islamic Economic Studies 1 (2): 134–42. https://doi.org/10.38073/dies.v1i2.903
Sari, Ela Wilfa, Supardi Mursalin, and Kustin Hartini. 2024. “Bank Syariah Indonesia Pada Pengembangan Umkm Di” 7: 165–75. H., Spud, P. T., & Psychologist, R. M. (2016). Title of journal article (not the
title of the journal) goes here. Journal of Research in Personality, 22(3), 236-252. doi:10.1016/0032-026X.56.6.895*
Vauziah, Riva Adha, Fattah Muharrik Muhammad, and Windi Laeli Rahmadin. 2023. “Studi Literatur Implementasi Fatwa DSN MUI No.73 Tentang Musyarakah Mutanaqishah.” Journal of Fiqh in Contemporary Financial Transactions 1 (1): 71–84. https://doi.org/10.61111/jfcft.v1i1.439.
Wahyuna, Sari, and Zulhamdi Zulhamdi. 2022. “Perbedaan Perbankan Syariah Dengan Konvensional.” Al-Hiwalah : Journal Syariah Economic Law 1 (2): 183– 96. https://doi.org/10.47766/alhiwalah.v1i2.879.
Zhafirah, Fifi, and Vivi Silvia. 2024. “Analisis Perbandingan Sistem Pembiayaan Kredit Pemilikan Rumah ( KPR ) Pada Bank Syariah Dan Bank Konvensional.” Jurnal Akuntansi Keuangan Dan Bisnis 01 (04): 554–58.
