PRAKTIK TAKE OVER KREDIT PERUMAHAN PERPEKTIF HUKUM EKONOMI SYARIAH STUDI KASUS PERUMAHAN MAHKOTA RAYA RENGGANIS JEMBER
Keywords:
Keywords : Take over, housing credit, Sharia Economic LawAbstract
Abstract : Many Muslims feel hesitant when considering a housing take-over because they worry the process may not align with Islamic principles. This uncertainty often affects their decision to continue a mortgage from a previous debtor. This study uses a qualitative method with a case study approach to explore the take-over practices at Mahkota Raya Rengganis Housing in Jember and examine their compliance with Islamic economic law. The findings show that the take-over process in this location is legally valid and in accordance with Sharia principles, as it uses a murabahah contract. Through this contract, the price and profit margin are agreed upon transparently without any element of usury (riba), making the transaction clear, safe, and Sharia-compliant. Thus, the murabahah contract provides both legal certainty and peace of mind for Muslims who wish to continue home ownership through the take-over process.
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