Journal of Contemporary Islamic Law
No eISSN: 0127-788X2016 1 (2)
30 Disember 2016
Analisis Syariah Terhadap Konsep Pemilikan Bermanfaat (Beneficial Ownership) Dalam Pembiayaan Perumahan
Shari’ah Analysis on The Concept of Beneficial Ownership in Home Financing
Nik Abdul Rahim Nik Abdul Ghani, nikrahim@ukm.edu.my
Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Mat Noor Mat Zin, mnmz@ukm.edu.my
Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Salmy Edawati Yaacob, salmy1001@ukm.edu.my
Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Ruzian Markom, ruzian@ukm.edu.my
Faculty of Law, Universiti Kebangsaan Malaysia.
Ahmad Dahlan Salleh, dahlan@ukm.edu.my
Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Mohammad Firdaus Mohammad Hatta, firdaus5828@salam.uitm.edu.my
Arshad Ayub Graduate Business School, Faculty of Business Management, UiTM, Shah Alam
Amir Fazlim Yusoff, amiry@ukm.edu.my
Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Hanzalah Zainal, hanzalahzainal90@gmail.com
Postgraduate Student, Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Received: 01 September 2016 | Accepted: 22 December 2016 | Published: 30 December 2016
2016, Vol. 1(2), pp. 69-90. | PDF
Pemilikan aset merupakan aspek penting dalam pembiayaan perumahan secara Islam yang melibatkan kontrak jual beli. Walau bagaimanapun, isu pemilikan bermanfaat menjadi topik yang hangat diperdebatkan berikutan sistem kewangan Islam yang beroperasi dalam kerangka konvensional perundangan Malaysia. Kedudukan pemilikan bermanfaat dianggap bertentangan dengan konsep pemilikan dalam Islam sekaligus menyanggahi maqasid Syariah. Artikel ini bertujuan mengkaji kedudukan pemilikan bermanfaat daripada perspektif Syariah. Kajian ini menganalisis maksud dan ciri-ciri pemilikan dalam Islam seterusnya menghuraikan asal-usul pemilikan bermanfaat dari sudut perundangan. Kajian ini juga menjelaskan beberapa aplikasi semasa pemilikan bermanfaat dalam pembiayaan perumahan secara Islam dari aspek Syariah. Kajian ini menggunakan pendekatan analisis kandungan bagi menjelaskan konsep pemilikan bermanfaat. Hasil kajian mendapati pemilikan bermanfaaat diiktiraf sebagai pemilikan sebenar kerana Syariah membenarkan pemindahan pemilikan sebaik sahaja ijab dan qabul terlaksana.
Kata kunci: Pemilikan bermanfaat, pembiayaan perumahan, pemilikan, kewangan Islam
Ownership of asset is a crucial aspect of Islamic home financing which involves a sale contract. Nevertheless, the issue of beneficial ownership has been seriously discussed since the system of Islamic finance operates within the Malaysian conventional legal framework. The status of beneficial ownership is claimed as contradict to the concept of ownership in Islam which in turn violate the maqasid Shariah. This article aims to study the status of beneficial ownership from the Shariah perspective. This study examines the meaning of ownership and its characteristics from the Islamic perspective and discusses the origin of beneficial ownership from the legal perspective. It also discusses some current applications of the beneficial ownership in Islamic home financing from the Shariah aspect. The approach of content analysis is applied to clarify the concept of beneficial ownership. The research finding discovers that the beneficial ownership is recognized as a real ownership due to the fact that Shariah allows the transfer of ownership after the execution of ijab and qabul.
Keyword: Beneficial ownership, home financing, ownership, Islamic finance
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