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Perpustakaan Fakultas Syariah dan Hukum
UIN Syarif Hidayatullah Jakarta

home financing between Bank Syariah Indonesia (BSI) in
Indonesia and International Bank of Somalia (IBS) in Somalia. The aim of this
analysis of these two major syariah banks is to find how implementation and
application process of Murabaha for home financing undergoes as well as the legal
basis and framework behind it and supporting it.
This study uses a normative, empirical research method. In this study, the
researcher examined the Regulations and Fatwas regarding Murabaha Contract for
home financing in Indonesia and Somalia to compare its sharia compliance
processes and methods of the bank’s operation. To test the implementation of these
regulations, this research data was collected through In-depth Interviews, which
were then analyzed using descriptive methods.
The results of this study concluded that there are different aspects of the
application of the Murabaha contract for home financing implementation between
Bank Syariah Indonesia (BSI) KC. Ciputat and International Bank of Somalia (IBS)
KM4 Branch such as Installment Duration, Down Payment, Collateral, Profit
Margin, and the most important one the Legal Framework of Islamic banking
products and services. On the other hand, the researcher also found similarities in
Murabaha home financing contract implementation, such as the Murabaha concept
and application, bank approval system, purchase procedure of the house, client

66/HES/2023

66/HES/2023

Perpustakaan FSH Lantai 4

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