Pembiayaan Perumahan Berasaskan Komoditi Murabahah: Kajian Kes di CIMB Islamic Bank

Authors

  • Mohammad Taqiuddin Mohamad Department of Syariah and Economics Academy of Islamic Studies, Universiti Malaya (UM),
  • Mohd Najdi Aminuddin Bank Rakyat Malaysia Berhad, Pusat Bandar Bertam Perdana, 13200, Kepala Batas, Pulau Pinang.
  • Muhamad Husni Hasbulah Fakulti Ekonomi dan Pengurusan, Universiti Kebangsaan Malaysia (UKM)

DOI:

https://doi.org/10.11113/umran2018.5n3.232

Keywords:

Commodity of Murabahah, Tawarruq, Home’s Financing, Shariah

Abstract

Commodity of Murabahah and Tawarruq are the concept that was applied in the products of home financing (Flexi Home Financing-i) at CIMB Islamic Bank. This product is one of products which is offered by CIMB Islamic Bank. Before of this, there are several concepts such as Bay’ Bithamanil Ajil (BBA) and Bay’ Inah have been applied in the products of home financing by Islamic Banks where it causes some controversies. The using of BBA and Inah as a contract in home financing’s product have been criticized by some of the Islamic scholars especially from the Middle East Islamic scholars. Through the descriptive analysis, a case studies were conducted by collecting the data through an interviews.  The study was found that a scheme of home financing through product called Flexi Home Financing-i offered by CIMB Islamic Bank is one form of innovative products in order to make the financing products offered to customers free from the elements of Riba. Additionally, it was alternative from using al-Inah which is controversies among the scholars. This study also found that this product is line up with the Shariah compliance and ability to stand up with the value of moral and ethics which is compliance with principles of Shariah.

Author Biography

Muhamad Husni Hasbulah, Fakulti Ekonomi dan Pengurusan, Universiti Kebangsaan Malaysia (UKM)

Pelajar Doktor Falsafah,
Fakulti Ekonomi dan Pengurusan,
Universiti Kebangsaan Malaysia (UKM)

References

AAOIFI. (2008). Al-Ma’ayir al-Shar’iyyah. Resolusi No 30 (Tawarruq Item) 4/1. Bahrain:AAOIFI. Hlm 493

AAOIFI. (2007; 2008). Shariah Standards for Islamic Financial Institutions. Shariah Standard No. (25): Combination of Contracts. (Bahrain: AAOIFI)

Ab. Mumin Ab. Ghani & Ahmad Sufyan Che Abdullah. (2006). Tawarruq: Konsep dan Aplikasi dalam Kewangan Islam. Dlm. Ab. Ghani & Fadillah Mansor (pnyt.). Dinamisme Kewangan Islam di Malaysia. Kuala Lumpur: Penerbit Universiti Malaya. hlm.117-131

Al-Suyuti. (911H). al-Asbah wa al-Naza’ir. Beirut: Dār al-Fikr. h.309

Al-Zamakhsari, Abi Qasim Mahmud Ibn ‘Umar. (1385H/1965). Asas al-Balaghah. Beirut: Dar Sadir. Hlm 672

Asmak Abd Rahman, Shamsiah Mohammad dan Iman Mohd Salleh. (2010). “Bay’ al-Tawarruq dan Aplikasinya Dalam Pembiayaan Peribadi di Bank Islam Malaysia Berhad.” Jurnal Syariah. Jil 18. Bil 2. hh. 333-360

Asyraf Wajdi Dusuki. (2010). Can Bursa Malaysia’s Suq al-Sila’ (Commodity Murabahah House) Resolve the Controversy over Tawarruq, Kertas Kajian ISRA 10.

Asyraf Wajdi Dusuki. (2007). “Commodity Murābahah Programme (CMP): An Innovative Approach to Liquidity Management”. Journal of Islamic Economics, Banking and Finance. Vol 3. No 1. 1-23

Asyraf Wajdi Dusuki. (2010). Konsep dan Operasi SWAP Sebagai Mekanisme Lindungan Nilai dalam Institusi Kewangan Islam. Dlm. Muhammad Ali Jinnah Ahmad (ed.). Muzakarah Cendekiawan Syariah Nusantara ke-3, 2009-Operasi dan Perbendaharaan Kewangan Islam, 25-26 Mei, Jakarta, Indonesia, hlm.32-74, Kuala Lumpur: International Syariah Research Academy for Islamic Finanace (ISRA).

Bank Negara Malaysia BNM. (2005). Resolusi Majlis Penasihat Syariah Bank Negara. Kuala Lumpur. hlm. 91

CIMB Islamic. (2012. Lembaran Produk Flexi Home Financing-i

CIMB Islamic. (2015). diakses dari http://www.cimbislamic.com/en/who-we-are.html , pada 14hb Januari 2015

CIMB Islamic Bank. (2012). Lembaran Pendedahan Produk

CIMB Islamic Bank. (2014). Produk Pembiayaan Hartanah CIMB Islamic diakses dari http://cb.cimbislamic.com/index.php?ch=ci_per_hf&pg=ci_per_hf_buy&tpt=cimb_islamic pada 9 Disember 2014

CIMB Islamic Bank Berhad. Lembaran Pendedahan Produk

Creswell, J.W. (1994). Research Design: Qualitative & Quantitative Approaches. Thousand Oaks: Sage Publications.

Farah Nadia Zahari. (2014). ( Personal Financial Consultant CIMB Bank Berhad) dalam temubual dengan pengkaji 4 Disember 2014, 3.00 ptg.

Hassan, Hussin Hamid. (2009). al-Tawarruq al-Masrafi al-Munazzam, Munazzamah al-Mu’tamar al-Islami, Majma’ al-Fiqh al-Islami al-Duwali, 26-30 April 2009. hlm.1. dipetik daripada Asyraf Wajdi Dusuki (2010).

IBFIM. 2007. Soal-Jawab Kewangan Islam. Sumber: Utusan Malaysia OnLine, Isnin, 5 November 2007, dari http://www.ibfim.com, diakses pada 23 Januari 2010.

Ibn Manzur, Muhammad Ibn Mukarram. (1990). Lisan al-‘Arab. Beirut: Dar al-Fikr. Jil 10. Hlm 374-375

Ibrahim Anis et al. (1972). Al-Mu’jam al-Wasit. Al-Qahirah: t.pt. Jil 1. Hlm 1026

Kamus Dewan Edisi Keempat, diakses dari http://prpm.dbp.gov.my/Search.aspx?k=komoditi pada 11 April 2016

Laporan Tahunan. (2014). CIMB Group Holding Berhad, Kuala Lumpur, h. 44.

Muhammad Hasbi Zaenal dan Abdul Hakam. (2014). “Aplikasi dan Analisis Konsep Tawarruq Pada Produk Perbankan: Studi Kasus di CIMB Islamic Bank Bhd. Malaysia”. Al-Amwal. Vol 2. No 2.

Nazih Hammad. (2005). Al-‘Uqud al-Murakkabah fi al-Fiqh al-Islami: Dirasah Ta’siliyyah li al-Manzumat al-‘Aqdiyyah al-Mustahdathah. Dimashq: Dar al-Qalam

Nisbet. J. dan J. Watt. (1994). Studi Kasus Sebuah Panduan Praktis. Jakarta: PT. Gramedia Widiasarana Indonesia.

Qal’ahji, Muhammad Rawwas et al (pnys). (1416H/1996). Mu’jam Lughat al-Fuqaha’: “Arabi-Inklizi-Ifransi: Ma’an Kashshaf Inklizi-‘Arabi-Ifransi bi al-Mustalahat al-Waridah fi al-Mu’jam. Beirut: Dar al-Nafa’is. Hlm 131 & 472

Stake, RE. (1995). The Art of Case Study Research. Thousand Oaks, CA: Sage Publications.

Ubay Harun. (2006). “Murābahah dalam Perspektif Fiqh dan Hukum Islam”. Jurnal Hukum Islam. Vol 5 . No 3

Wahbah Mustafa al-Zuhayli. (2004). Al-Fiqh al-Islami wa’ Adillatuh. Dimashq: Dar al-Fikr. Jil 5. Hlm 3457

Wizarat al-Awqaf wa al-Shu’un al-Islamiyyah. (1423H/2002). Al-Mawsu’ah al-Fiqhiyyah al-Kuwaitiyyah. Kuwait: Wizarat al-Awqaf wa al-Shu’un al-Islamiyyah. Juz 3. Hlm 107

Zuhairi Zakaria. (2014). (Shariah Department,Group Islamic Banking Division, CIMB Bank ) dalam temubual e-mel dengan pengkaji 12 Disember 2014

Downloads

Published

2018-10-31

How to Cite

Mohamad, M. T., Aminuddin, M. N., & Hasbulah, M. H. (2018). Pembiayaan Perumahan Berasaskan Komoditi Murabahah: Kajian Kes di CIMB Islamic Bank. UMRAN - International Journal of Islamic and Civilizational Studies, 5(3), 68–80. https://doi.org/10.11113/umran2018.5n3.232