BAI’ BITHAMAN AJIL, ALTERNATIF PEMBIAYAAN PERUMAHAN PADA PERBANKAN SYARIAH

Abstract

During this recent two decades, national economy sharia continiue growth.
Though it just still smaller compare to the existing of conventional finance, it
conscioused the growth of sharia finance currently has a significant enhancement. The
positive and stable economy performance has given good opportunities to the
development of sharia economy in Indonesia. The existence of syariah economy in
Indonesia, who has a muslim mayority, is a new point of national economy history.
Sharia banking is one of the tools for developing national economy sharia. Many
products offered by national sharia banking, which includes basic principles of
implementation with profit sharing. One of them is Bai’ Bithaman Ajil, which is the part
of trading (Baiah). Bai’ Bithaman Ajil product is expected as an alternative for society to
choose sharia banking as a mediator in transaction, specially to fulfill production needs
as well as consumption needs, whose transactions are done on a long-term credit.