Implementasi Akad Murabahah Dan Akad Wakalah Pembiayaan Kepemilikan Rumah Pada DPD REI Riau

ABSTRACT THE IMPLEMENTATION OF MURABAHAH AND WAKALAH CONTRACTS FOR HOME OWNERSHIP LOANS IN DPD REI RIAU BY: MUHAMMAD PUTRA PERDANA 16210038 DPD REI Riau allows house buyers to choose any contract anywhere, both in conventional and sharia banks depending on the agreement between the property developers and the house buyers. In a conventional bank, there is KPR (Home Ownership Loan) which will help people have their dream houses. Whereas in a sharia bank, this KPR is called sharia KPR or the mortgage loan of murabahah and wakalah contracts. This study aims to investigate the implementation of murabahah and wakalah contracts for home ownership loans in DPD REI Riau. The results of study show that the murabahah contract is the main financing contract that makes customers easier to buy houses that they want, this is known from the answers of most respondents who agree. And most respondents agree with the dimension of terms and conditions of wakalah contract. But, the implementation of murabahah and wakalah contracts for home ownership loans in DPD REI Riau can be stated as "not good". In this case, it can be concluded that the implementation of murabahah and wakalah contracts for home ownership loans has not been carried out well because it is known from the answers of respondents regarding the implementation of murabahah and wakalah contracts for home ownership loans in DPD REI Riau with the average score of 136 which is located in the disagree area of continuum line. Therefore, it is necessary to conduct intensive communication between Islamic banks and house buyers in implementing the murabahah and wakalah contracts for mortgage loans which is in accordance with Islamic law