KONTRAK MUSHĀRAKAH MUTANĀQIṢAH DALAM PEMBIAYAAN PERUMAHAN DI MALAYSIA DARI PERSPEKTIF PERUNDANGAN DI MALAYSIA
Contract of Mushārakah Mutanāqiṣah for Home Financing from Legal Perspectives in Malaysia
Keywords:
mushārakah mutanāqiṣah, home financing, legal, MalaysiaAbstract
In Malaysia, the principle of mushārakah mutanāqiṣah in home financing product has gained a place in Islamic Banking. The purpose of this study is to demonstrate the concept and application of the contract of mushārakah mutanāqiṣah in home financing product, while examining the provisions of relative laws. In the meantime, this study also analyze the legal issues and the challenges faced by the products of mushārakah mutanāqiṣah. The methods involved are library study. Meanwhile, content analysis was applied in the analysis of data obtained. The result shows that there are several legal issues faced by Islamic Finance Institutions in contracts of mushārakah mutanāqiṣah as one of the home financing product in Malaysia. Amongst them are the absence of provisions and specific guidelines regarding the contract of mushārakah mutanāqiṣah other than Resolutions of Syariah issued by Bank Negara Malaysia.
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