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Evaluasi pembiayaan perumahan dalam akad murabahah dan kredit konvensional berdasarkan volatilitas harga rumah : studi kasus pada Bank Syariah Mandiri dan Bank BRISyariah 2005-2013 = Evaluation of the housing financing in murabaha agreement and conventional loan based on house price volatility : case study on Bank Syariah Mandiri and Bank BRISyariah 2005-2013

Sahlan Hasbi; Kuncoro Hadi, supervisor; Muhammad Luthfi Zuhdi, examiner; Dedi Wibowo, examiner (Fakultas Pascasarjana Universitas Indonesia, 2014)

 Abstrak

[ABSTRAK
Pembiayaan kepemilikan rumah di bank syariah dengan menggunakan akad
murabahah berdampak pada angsuran yang tidak dapat berubah selama jangka
waktu pembiayaan berpotensi terjadi kesenjangan jika dibandingkan dengan harga
rumah yang cenderung selalu meningkat yang merupakan volatilitas komoditas
harga rumah sepanjang periode pembiayaan. Berbeda dengan kredit perumahan di
bank konvensional yang menggunakan suku bunga floating (mengambang)
sebagai dasar untuk menetapkan besarnya angsuran sehingga besarnya angsuran
setiap bulan akan berbeda tergantung pada suku bunga pada bulan saat
pembayaran dilakukan. Tujuan penelitian ini ialah untuk mengetahui apakah pola
pembiayaan perumahan murabahah atau kredit perumahan konvensional bisa
mengatasi volatilitas harga rumah setelah jatuh tempo pembiayaan. Data yang
digunakan adalah data angsuran pembiayaan perumahan murabahah di Bank
Syariah Mandiri dan Bank BRI Syariah serta angsuran kredit perumahan
konvensional berdasarkan bunga kredit konsumtif pada Bank Swasta Nasional.
Hasil penelitian menyebutkan bahwa pembiayaan perumahan murabahah di bank
Syariah Mandiri, Bank BRISyariah maupun kredit perumuhan konvensional
mengalami capital loss yang disebabkan oleh karena adanya volatilitas harga
rumah di mana nilai pasar rumah setelah pembiayaan jatuh tempo lebih tinggi dari
nilai rumah berdasarkan pembiayaan murabahah maupun kredit konvensional.
ABSTRACT
Home ownership financing in Islamic banks using the murabaha contract affects
the installment that can not be changed during the term of the financing could
potentially be a gap when compared with home prices tend to increase the
volatility of commodity prices which is home throughout the period of financing.
In contrast to conventional housing loans in banks that use a floating interest rate
as the basis for establishing the amount of the installment so that the installment
amount each month will vary depending on interest rates in the time payment is
made. The purpose of this study was to determine whether the pattern of housing
financing murabaha or conventional mortgages can overcome the volatility of
house prices after the maturity of the financing. The data used is the housing
finance murabaha installment in Bank Syariah Mandiri and Bank BRISyariah and
conventional housing loan installment consumer loan interest is based on the
National Private Bank. The study says that housing finance murabaha at bank
Syariah Mandiri, Bank BRISyariah and conventional mortgages experienced a
capital loss caused due to the volatility of house prices where the market value of
the home after the maturity of the financing is higher than the value of the house
based on murabaha financing and conventional loans.;Home ownership financing in Islamic banks using the murabaha contract affects
the installment that can not be changed during the term of the financing could
potentially be a gap when compared with home prices tend to increase the
volatility of commodity prices which is home throughout the period of financing.
In contrast to conventional housing loans in banks that use a floating interest rate
as the basis for establishing the amount of the installment so that the installment
amount each month will vary depending on interest rates in the time payment is
made. The purpose of this study was to determine whether the pattern of housing
financing murabaha or conventional mortgages can overcome the volatility of
house prices after the maturity of the financing. The data used is the housing
finance murabaha installment in Bank Syariah Mandiri and Bank BRISyariah and
conventional housing loan installment consumer loan interest is based on the
National Private Bank. The study says that housing finance murabaha at bank
Syariah Mandiri, Bank BRISyariah and conventional mortgages experienced a
capital loss caused due to the volatility of house prices where the market value of
the home after the maturity of the financing is higher than the value of the house
based on murabaha financing and conventional loans.;Home ownership financing in Islamic banks using the murabaha contract affects
the installment that can not be changed during the term of the financing could
potentially be a gap when compared with home prices tend to increase the
volatility of commodity prices which is home throughout the period of financing.
In contrast to conventional housing loans in banks that use a floating interest rate
as the basis for establishing the amount of the installment so that the installment
amount each month will vary depending on interest rates in the time payment is
made. The purpose of this study was to determine whether the pattern of housing
financing murabaha or conventional mortgages can overcome the volatility of
house prices after the maturity of the financing. The data used is the housing
finance murabaha installment in Bank Syariah Mandiri and Bank BRISyariah and
conventional housing loan installment consumer loan interest is based on the
National Private Bank. The study says that housing finance murabaha at bank
Syariah Mandiri, Bank BRISyariah and conventional mortgages experienced a
capital loss caused due to the volatility of house prices where the market value of
the home after the maturity of the financing is higher than the value of the house
based on murabaha financing and conventional loans., Home ownership financing in Islamic banks using the murabaha contract affects
the installment that can not be changed during the term of the financing could
potentially be a gap when compared with home prices tend to increase the
volatility of commodity prices which is home throughout the period of financing.
In contrast to conventional housing loans in banks that use a floating interest rate
as the basis for establishing the amount of the installment so that the installment
amount each month will vary depending on interest rates in the time payment is
made. The purpose of this study was to determine whether the pattern of housing
financing murabaha or conventional mortgages can overcome the volatility of
house prices after the maturity of the financing. The data used is the housing
finance murabaha installment in Bank Syariah Mandiri and Bank BRISyariah and
conventional housing loan installment consumer loan interest is based on the
National Private Bank. The study says that housing finance murabaha at bank
Syariah Mandiri, Bank BRISyariah and conventional mortgages experienced a
capital loss caused due to the volatility of house prices where the market value of
the home after the maturity of the financing is higher than the value of the house
based on murabaha financing and conventional loans.]

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No. Panggil : T43431
Entri utama-Nama orang :
Entri tambahan-Nama orang :
Entri tambahan-Nama badan :
Subjek :
Penerbitan : Jakarta: Fakultas Pascasarjana Universitas Indonesia, 2014
Program Studi :
Bahasa : ind
Sumber Pengatalogan : LibUI ind rda
Tipe Konten : text
Tipe Media : unmediated ; computer
Tipe Carrier : volume ; online resource
Deskripsi Fisik : iv, 82 pages : illustration ; 28 cm. + appendix
Naskah Ringkas :
Lembaga Pemilik : Universitas Indonesia
Lokasi : Perpustakaan UI, Lantai 3
  • Ketersediaan
  • Ulasan
No. Panggil No. Barkod Ketersediaan
T43431 15-18-737174951 TERSEDIA
Ulasan:
Tidak ada ulasan pada koleksi ini: 20403424
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