IMPLEMENTATION OF ISLAMIC ECONOMIC PRINCIPLES ABOUT MORTGAGES

The Islamic mortgages have a very important role in demand of the financial liquidity for the majority of Indonesian Muslim population. In operational practice, the Islamic mortgages apply the sharia principles. In order the implementation of Islamic sharia does not deviate from the principles of sharia, it needs to get in-depth study for the practice of getting a clear basis that this study is very useful for the community and for practitioners of sharia mortgages. Based on the research and tracking of economic principles concerning liens, it is obtained the result that the economic principles of sharia on the mortgage that is using the principle of ar-Rahn (mortgage), is used in the pledge of the goods moving, while the principle of ijarah (lease) is used in case goods which is placed in a warehouse owned by Perum Pledge wages where a rent must pay rent, and qard hasan principles is used in providing loans to customers who return it without interest