Analisis Fatwa DSN-MUI No. 153/2022 terhadap Kebijakan Pelunasan Dipercepat pada Pembiayaan Murābaḥah
Abstract
DSN-MUI Fatwa No. 153/DSN-MUI/VI/2022 regulates the repayment of Murābahah financing debt before maturity, replacing DSN-MUI Fatwa No. 23/DSN-MUI/III/2002 previously. This fatwa update was carried out to resolve disputes between sharia financial institutions (LKS) and customers and to improve the perception and reputation of LKS which was affected by the previous policy. This research method is qualitative research in the form of a case study with an empirical approach. The research results show that (1) the BPRS HIK policy in paying off Murᾱbahah financing debt before the maturity date is to provide discounts to customers who make payments before the maturity date, in accordance with 23/DSN-MUI/III/2002. (2) the policy in paying off Murᾱbahah financing debt before maturity is still not in accordance with Fatwa No. 153/DSN-MUI/VI/2022. However, it is in accordance with Fatwa no. 23/DSN-MUI/III/2002, Fatwa no. 46/DSN-MUI/II/2005 and Fatwa no. 134/DSN-MUI/II/2020.
References
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