Elaborasi Operasional Akad Murabahah Produk KPR (Kredit Pemilikan Rumah) dalam Perbankan Syariah

This study describes how murabahah for sharia banking KPR products operate as well that have indications of hilah (legal engineering). uses a qualitative method literature (library research) research approach. The findings this indicate Islamic has modified the original concept contracts, namely bank does not yet house to sell. contract is implemented through li al-amir bi al-shira' (the buyer requests and authorizes another party buy an item with certain criteria, then he promises throughselling murabahah). shows no longer selling goods, but only representing customers wakalah. role support funds, enter into sale purchase contract. So Sharia formulated based on parameters hilah. However, are categorized masyru'ah (hilah allowed). It can be concluded used limited time, it ideal long time.