Implementation Murabahah Agreement at Permata KPR iB at Bank Permata Syariah Surabaya

Abstract

Murabahah-based financing, a flagship product of Islamic banking particularly in the form of home financing (KPR). Has recorded significant growth at bank permata syariah Surabaya. This success raises critical questions regarding compliance with sharia principles. The research focuses on “ the implementation of murabahah contract in permata KPR IB Bank Permata Syariah Surabaya” evaluating the contribution of Islamic banking of community welfare. A descriptive qualitative research medthod was employed, involving borh primary and secondary data. The findings reveal the successful implementation of the murabahah contract in KPR IB. in accordance with the DSN-MUI Fatwa  No:04/DSN-MUI/2000. The KPR financing application prosess includes submitting required documents such as an ID Card (KTP), family card (KK), marriage certificate, salary slip and tax paper ID number (NPWP). Once the contract is completed, the rights and responsibilities of the asset are transferred to the customer