Pelaksanaan pembiayaan modal kerja konstruksi perumahan dengan musyawarakah di Bank Tabungan Negara (BTN) Syariah Cabang Yogyakarta

AGUSTINI, Emy Efrianti, Yulkarnaen Harahab, SH., M.Si

2008 | Tesis | S2 Magister Kenotariatan

Penelitian ini bertujuan untuk mengetahui pelaksanaan pembiayaan modal kerja konstruksi perumahan dengan musyarakah dan untuk mengetahui bagaimana bentuk penyelesaian pembiayaan bermasalah pada pembiayaan modal kerja konstruksi perumahan dengan musyarakah di BTN Syariah Cabang Yogyakarta. Penelitian ini merupakan penelitian yuridis empiris, yakni penelitian yang didasarkan pada penelitian lapangan untuk memperoleh data primer di bidang hukum. Data primer diperoleh dengan cara mewawancarai responden dan nara sumber. Guna menunjang dan melengkapi data yang diperoleh dari penelitian lapangan dilakukan penelitian kepustakaan. Untuk memperoleh data sekunder diperoleh dari bahan hukum primer, sekunder dan tersier. Pelaksanaan pembiayaan modal kerja konstruksi perumahan dengan musyarakah di BTN Syariah Cabang Yogyakarta melalui beberapa tahap, yaitu tahap permohonan, tahap analisis, tahap pemberian keputusan serta tahap pelaksanaan pembiayaan dan telah sesuai dengan prinsip syariah yang diamanatkan dalam Peraturan Bank Indonesia Nomor: 7/46/PBI/2005 tentang Akad Penghimpunan dan Penyaluran Dana Bagi Bank Yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah yang tercantum dalam Pasal 1 angka 6 dan Pasal 8. Pelaksanaan pembiayaan tersebut juga telah sesuai dengan Fatwa Dewan Syariah Nasional Nomor 08/DSN MUI/IV/2000 tentang Pembiayaan Musyarakah. Dalam penyelamatan pembiayaan bermasalah, BTN Syariah Cabang Yogyakarta menerapkan langkah-langkah pengelompokan penanganan penyelesaian pembiayaan dengan cara evaluasi ulang, apabila terdapat indikasi bahwa usaha nasabah masih berjalan dan hasil usaha nasabah diyakini masih mampu untuk memenuhi kewajiban angsuran kepada bank, yaitu melalui: Rescheduling, Restructuring, Reconditioning, dan bantuan managemen. Pihak Bank sendiri menghindari penyelesaian masalah pembiayaan lewat jalur pengadilan karena memerlukan waktu lama dan biaya yang tidak sedikit. Keberpihakan Bank dengan membuat mekanisme yang tidak memberatkan nasabah, membuat pembiayaan bermasalah di Bank Tabungan Negara Syariah Cabang Yogyakarta adalah 0,01%.

This study aims to know the capital work financing program for housing construction through musyarakah in BTN Syaria’ of Yogyakarta branch and deeply understand the solution given for troubled financing on capital work financing for housing construction through musyarakah in BTN Syaria’ of Yogyakarta branch. This study is a juridical empiric study, i.e. a study which based on field research in order to get primary data of legal aspects. Primary data is colleted trough interview with respondents and informants. To support and complete the data colleted from field research, there was also a library research taken. Secondary data is taken from primary law materials, secondary, and tertiary. Capital work financing program for housing construction through musyarakah in BTN Syaria’ of Yogyakarta branch is applied through several steps, i.e. application, analysis, resolution, and implementation of the program. Accorded to the result of study, capital work financing program for housing construction through musyarakah in BTN Syaria’ of Yogyakarta branch was appropriate with Syaria’ principle entrusted in Indonesian Bank Regulation No. 7/46/PBI/2005 about Collecting Fund and Distribution Contract for Banks that Operate Business Activity Based on Syaria’ Principle stated in Chapter 1 No. 6 and Chapter 8. This can be seen from the process, financing conditions, content of contracts, also duties and rights for the customer and bank in capital work for housing construction through musyarakah in BTN Syaria’ of Yogyakarta branch. The financing program was also appropriate with the Fatwa of National Syaria’ Board No. 08/DSN MUI/IV/2000 on Deliberated Financing, which also become the reference for the operation of capital work financing program for housing construction through musyarakah in BTN Syaria’ of Yogyakarta branch. In solving troubled financing, BTN Syaria’ of Yogyakarta branch in its capital work financing program for housing construction through musyarakah took several steps of classifying solution steps for financing through re-evaluation, if there is an indication that the customer business is still operates and can pay the installment obligation to the bank, that is through: Rescheduling, Restructuring, Reconditioning, and management aid. The bank itself avoids solving the troubled financing through juridical lane (such was stated in the musyarakah contract for housing construction) because it takes more time and cost. Bank’s one-sidedness through a mechanism that not oppress the customer result in small number for troubled financing in BTN Syaria’ of Yogyakarta branch that was only 0, 01%.

Kata Kunci : Musyarakah kontruksi perumahan,Pelaksanaan,Pembiayaan bermasalah,musyarakah of housing construction, program, troubled financing