The Behavior Of Profit Of Musharakah Mutanaqisah Homeownership Partnership By The Case Of Abandoned Housing Project In Malaysia

Amalan projek perumahan di Malaysia adalah membimbangkan kerana sistem pembiayaan perumahan melaksanakan kontrak jual kemudian bina. Hal ini dipercayai menjadi faktor utama yang membawa kepada projek perumahan terbengkalai. Sistem ini membolehkan jualan dibuat daripada pemaju kepada pembeli sebelum projek perumahan selesai. Isu utama daripada projek perumahan terbengkalai adalah apabila ia melibatkan sistem pembiayaan Islam terutamanya pada kemudahan Bai 'Bithaman Ajil (BBA). Daripada kajian kes di Malaysia, sebahagian besar pembeli rumah dalam pembinaan kecewa dengan sistem perbankan Islam kerana projek perumahan terbengkalai tiba-tiba berlaku dan mereka perlu menanggung kerugian dan menghadapi lebih banyak kesukaran untuk menyelesaikan masalah ini secara sah. Bank Islam tidak boleh membiarkan penghutang untuk menghadapi kerugian semata-mata kerana setiap pihak bertanggungjawab untuk menjual hak yang gagal menyiapkan dalam tempoh. Tambahan pula, bank Islam dipercayai oleh masyarakat untuk membawa keadilan dan belas kasihan kepada rakyat kerana ia menyediakan amalan yang sah dan beretika mengikut Syariah. Ulama memperkenalkan Musharakah Mutanaqisah Homeownership (MMP) sebagai kemudahan pembiayaan perumahan alternatif menggantikan BBA. The practice of housing project in Malaysia is worrisome because housing financing system implement the sell-then-built contract. This is believed to be a major factor that leads to the abandoned housing project. The system let the selling made from the developer to the purchaser before the housing project is complete. The main issue cause from the abandoned housing project is when it involving the Islamic financing system particularly on Bai’ Bithaman Ajil(BBA) facility. From the cases study in Malaysia, most purchasers of houses under construction were disappointed with the Islamic banking system because of the abandoned housing project is suddenly occurred and they have to suffer the losses and facing more difficulties to solve the problem legally. The Islamic bank should not let the debtors to face the losses alone because each of the parties responsible for selling the rights which failed to complete in duration. Furthermore, the Islamic bank is trusted by the society to bring justice and compassion for the people as it provides legitimate and ethical practice following the Shariah. Scholars introduce Musharakah Mutanaqisah Homeownership (MMP) as an alternative home financing facility replacing the BBA