{"id":660,"date":"2016-12-29T14:17:51","date_gmt":"2016-12-29T14:17:51","guid":{"rendered":"http:\/\/www.ukm.my\/jcil\/?page_id=660"},"modified":"2018-01-06T06:10:35","modified_gmt":"2018-01-06T06:10:35","slug":"2016-1-2-article-1","status":"publish","type":"page","link":"https:\/\/www.ukm.my\/jcil\/2016-1-2-article-1\/","title":{"rendered":"JCIL 2016 1 (2) Article 1"},"content":{"rendered":"<p>[et_pb_section bb_built=&#8221;1&#8243; transparent_background=&#8221;off&#8221; allow_player_pause=&#8221;off&#8221; inner_shadow=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;on&#8221; custom_padding=&#8221;0px|0px|0px|0px&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;off&#8221; custom_width_px=&#8221;1080px&#8221; custom_width_percent=&#8221;80%&#8221; make_equal=&#8221;off&#8221; use_custom_gutter=&#8221;off&#8221; fullwidth=&#8221;on&#8221; specialty=&#8221;off&#8221; disabled=&#8221;off&#8221;][et_pb_fullwidth_header title=&#8221;Journal of Contemporary Islamic Law&#8221; subhead=&#8221;No eISSN: 0127-788X&#8221; background_layout=&#8221;dark&#8221; text_orientation=&#8221;right&#8221; header_fullscreen=&#8221;off&#8221; header_scroll_down=&#8221;off&#8221; scroll_down_icon=&#8221;;&#8221; title_font_color=&#8221;#ffffff&#8221; background_color=&#8221;#0c71c3&#8243; parallax=&#8221;on&#8221; parallax_method=&#8221;on&#8221; content_orientation=&#8221;center&#8221; image_orientation=&#8221;center&#8221; title_font=&#8221;|on|||&#8221; title_font_size=&#8221;30px&#8221; subhead_font_size=&#8221;24px&#8221; content_font_size=&#8221;14px&#8221; custom_button_one=&#8221;off&#8221; button_one_text_size=&#8221;20&#8243; button_one_letter_spacing=&#8221;0&#8243; button_one_use_icon=&#8221;default&#8221; button_one_icon_placement=&#8221;right&#8221; button_one_on_hover=&#8221;on&#8221; button_one_letter_spacing_hover=&#8221;0&#8243; custom_button_two=&#8221;off&#8221; button_two_text_size=&#8221;20&#8243; button_two_letter_spacing=&#8221;0&#8243; button_two_use_icon=&#8221;default&#8221; button_two_icon_placement=&#8221;right&#8221; button_two_on_hover=&#8221;on&#8221; button_two_letter_spacing_hover=&#8221;0&#8243; disabled=&#8221;off&#8221; saved_tabs=&#8221;all&#8221; title_text_color=&#8221;#ffffff&#8221; \/][\/et_pb_section][et_pb_section bb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; transparent_background=&#8221;off&#8221; background_color=&#8221;#ffffff&#8221; allow_player_pause=&#8221;off&#8221; inner_shadow=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;off&#8221; custom_padding=&#8221;0px|0px|27px|0px&#8221; padding_mobile=&#8221;off&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; custom_width_px=&#8221;1080px&#8221; custom_width_percent=&#8221;80%&#8221; make_equal=&#8221;off&#8221; use_custom_gutter=&#8221;off&#8221; fullwidth=&#8221;off&#8221; specialty=&#8221;off&#8221; disabled=&#8221;off&#8221; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221;][et_pb_row make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;off&#8221; custom_width_px=&#8221;1080px&#8221; custom_width_percent=&#8221;80%&#8221; use_custom_gutter=&#8221;off&#8221; gutter_width=&#8221;3&#8243; custom_padding=&#8221;13px|0px|2px|0px&#8221; allow_player_pause=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;on&#8221; make_equal=&#8221;off&#8221; parallax_1=&#8221;off&#8221; parallax_method_1=&#8221;on&#8221; parallax_2=&#8221;off&#8221; parallax_method_2=&#8221;on&#8221; parallax_3=&#8221;off&#8221; parallax_method_3=&#8221;on&#8221; parallax_4=&#8221;off&#8221; parallax_method_4=&#8221;on&#8221; disabled=&#8221;off&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; background_size=&#8221;initial&#8221;][et_pb_column type=&#8221;3_4&#8243;][et_pb_blurb title=&#8221;2016 1 (2)&#8221; url=&#8221;https:\/\/www.ukm.my\/jcil\/current-volume\/&#8221; url_new_window=&#8221;off&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;%%40%%&#8221; icon_color=&#8221;#81d742&#8243; use_circle=&#8221;on&#8221; circle_color=&#8221;#ffffff&#8221; use_circle_border=&#8221;on&#8221; circle_border_color=&#8221;#81d742&#8243; icon_placement=&#8221;left&#8221; animation=&#8221;top&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;center&#8221; use_icon_font_size=&#8221;off&#8221; icon_font_size=&#8221;96px&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_width=&#8221;1px&#8221; border_style=&#8221;solid&#8221; disabled=&#8221;off&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; background_size=&#8221;initial&#8221;]<\/p>\n<p>30 Disember 2016<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243;][et_pb_text background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; use_border_color=&#8221;off&#8221; border_style=&#8221;solid&#8221; disabled=&#8221;off&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; background_size=&#8221;initial&#8221; \/][\/et_pb_column][\/et_pb_row][et_pb_row make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;off&#8221; custom_width_px=&#8221;1080px&#8221; custom_width_percent=&#8221;80%&#8221; use_custom_gutter=&#8221;off&#8221; gutter_width=&#8221;3&#8243; allow_player_pause=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;on&#8221; make_equal=&#8221;off&#8221; parallax_1=&#8221;off&#8221; parallax_method_1=&#8221;on&#8221; parallax_2=&#8221;off&#8221; parallax_method_2=&#8221;on&#8221; parallax_3=&#8221;off&#8221; parallax_method_3=&#8221;on&#8221; parallax_4=&#8221;off&#8221; parallax_method_4=&#8221;on&#8221; disabled=&#8221;off&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; background_size=&#8221;initial&#8221;][et_pb_column type=&#8221;3_4&#8243;][et_pb_text admin_label=&#8221;Tajuk artikel 1&#8243; background_layout=&#8221;light&#8221; disabled=&#8221;off&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; background_size=&#8221;initial&#8221; _builder_version=&#8221;3.0.93&#8243;]<\/p>\n<p><strong>Analisis Syariah Terhadap Konsep Pemilikan Bermanfaat (<em>Beneficial Ownership<\/em>) Dalam Pembiayaan Perumahan<\/strong><br \/>\n<em>Shari\u2019ah Analysis on The Concept of Beneficial Ownership in Home Financing<\/em><\/p>\n<p><strong>Nik Abdul Rahim Nik Abdul Ghani,<\/strong><em> nikrahim@ukm.edu.my<br \/>\n<\/em>Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.<em><br \/>\n<\/em><strong>Mat Noor Mat Zin,<\/strong><em> mnmz@ukm.edu.my<br \/>\n<\/em>Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.<em><br \/>\n<\/em><strong>Salmy Edawati Yaacob,<\/strong><em> salmy1001@ukm.edu.my<br \/>\n<\/em>Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.<em><br \/>\n<\/em><strong>Ruzian Markom,<\/strong><em> ruzian@ukm.edu.my<br \/>\nFaculty of Law, Universiti Kebangsaan Malaysia.<br \/>\n<\/em><strong>Ahmad Dahlan Salleh,<\/strong><em>\u00a0dahlan@ukm.edu.my<br \/>\n<\/em>Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.<em><br \/>\n<\/em><strong>Mohammad Firdaus Mohammad Hatta,<\/strong><em> firdaus5828@salam.uitm.edu.my<br \/>\n<\/em>Arshad Ayub Graduate Business School, Faculty of Business Management, UiTM, Shah Alam<em><br \/>\n<\/em><strong>Amir Fazlim Yusoff,<\/strong><em> amiry@ukm.edu.my<br \/>\n<\/em>Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.<em><br \/>\n<\/em><strong>Hanzalah Zainal,<\/strong><em>\u00a0hanzalahzainal90@gmail.com<br \/>\n<\/em>Postgraduate Student, Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.<em><br \/>\n<\/em>Received: 01 September\u00a02016 | Accepted: 22 December 2016\u00a0| Published: 30 December 2016<\/p>\n<p>2016, Vol. 1(2), pp. 69-90. |\u00a0<a href=\"https:\/\/www.ukm.my\/jcil\/wp-content\/uploads\/2017\/07\/JCIL-2016-1-2-Article-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">PDF<br \/>\n<\/a><\/p>\n<p><em> \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/em><\/p>\n<p>[\/et_pb_text][et_pb_tabs use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_width=&#8221;1px&#8221; border_style=&#8221;solid&#8221; disabled=&#8221;off&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; background_size=&#8221;initial&#8221;][et_pb_tab title=&#8221;ABSTRAK&#8221; tab_font=&#8221;||||&#8221; tab_line_height=&#8221;2em&#8221; tab_line_height_tablet=&#8221;2em&#8221; tab_line_height_phone=&#8221;2em&#8221; body_font=&#8221;||||&#8221; body_line_height=&#8221;2em&#8221; body_line_height_tablet=&#8221;2em&#8221; body_line_height_phone=&#8221;2em&#8221; disabled=&#8221;off&#8221;]<\/p>\n<p class=\"AbstractBodyText\"><span lang=\"MS\">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.<\/span><\/p>\n<p class=\"AbstractBodyText\"><b><span lang=\"MS\">Kata kunci<\/span><\/b><span lang=\"MS\">: Pemilikan bermanfaat, pembiayaan perumahan, pemilikan, kewangan Islam<\/span><\/p>\n<p>[\/et_pb_tab][et_pb_tab title=&#8221;ABSTRACT&#8221; tab_font=&#8221;||||&#8221; tab_line_height=&#8221;2em&#8221; tab_line_height_tablet=&#8221;2em&#8221; tab_line_height_phone=&#8221;2em&#8221; body_font=&#8221;||||&#8221; body_line_height=&#8221;2em&#8221; body_line_height_tablet=&#8221;2em&#8221; body_line_height_phone=&#8221;2em&#8221; disabled=&#8221;off&#8221;]<\/p>\n<p style=\"text-align: left;\">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.<\/p>\n<p><strong>Keyword:<\/strong> Beneficial ownership, home financing, ownership, Islamic finance<\/p>\n<p>[\/et_pb_tab][\/et_pb_tabs][et_pb_text background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; use_border_color=&#8221;off&#8221; border_style=&#8221;solid&#8221; disabled=&#8221;off&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; background_size=&#8221;initial&#8221; _builder_version=&#8221;3.0.93&#8243;]<\/p>\n<p><strong>References:<\/strong><\/p>\n<p>Al-Quran.<\/p>\n<p>Asyraf Wajdi &amp; Nurdianawati. 2014. <em>Fundamentals of Islamic Banking<\/em>. 2<sup>nd<\/sup> Ed. Selangor: IBFIM.<\/p>\n<p>Badran, Abu al-Aynayn. t.th. <em>Tarikh al-Fiqh al-Islami wa Nazariyyah al-Milkiyyah wa al-Uqud<\/em>. Beirut, Lubnan: Dar al-Nahdah al-Arabiyyah.<\/p>\n<p>Bank Negara Malaysia. 2010. Shariah resolution in Islamic finance. <em>Bank Negara Malaysia.<\/em><\/p>\n<p>Bank Negara Malaysia. 2013. <em>Shariah Standard on Murabahah<\/em>. Issued by Islamic Banking and Takaful Department, BNM (Issued on 23 December 2013).<\/p>\n<p>Bank Negara Malaysia. 2015. <em>Musyarakah<\/em>. Issued by Islamic Banking and Takaful Department, BNM (Issued on 20 April 2015).<\/p>\n<p>Burke, John. 1977. <em>Jowitt\u2019s Dictionary of English Law<\/em>. 2<sup>nd<\/sup> Ed. Great Britain: Sweet &amp; Maxwell Ltd.<\/p>\n<p>Engku Rabiah Adawiah. 2014. <em>Legal Ownership dan Beneficial Ownership Menurut Perspektif Syarak dan Undang-Undang<\/em>. Kuala Lumpur.<\/p>\n<p>Garner, Bryan A. 2004. <em>Black\u2019s Law Dictionary<\/em>. Bryan A. Garner (pnyt.). 8<sup>th<\/sup> Ed. United State of America: West, a Thomson Business.<\/p>\n<p>Hudson, Alastair. 2007. <em>Equity and Trusts<\/em>. 5<sup>th<\/sup> Ed. United State of America: Routledge-Cavendish.<\/p>\n<p>Ibn Hummam, Kamal. t.th. <em>Fath al-Qadir<\/em>. Arab Saudi: Wizarah al-Shu\u2019un al-Islamiyyah wa al-Awqaf wa al-Dakwah wa al-Irshad.<\/p>\n<p>Ibn Nujaym, Zayn al-Din bin Ibrahim. 1999. <em>Ashbah wa al-Naza\u2019ir li Ibn Nujaym<\/em>. Beirut, Lubnan: Darul Kutub Ilmiyyah.<\/p>\n<p>Ibn Qudamah. 1968. <em>al-Mughni<\/em>. t.tp: Maktabah al-Qahirah.<\/p>\n<p>Ibn Rajab, Abd al-Rahman. t.th. <em>al-Qawa\u2018id li Ibn Rajab<\/em>. t.tp.: Dar al-Fikr.<\/p>\n<p>Ibn Taimiyyah, Taki al-Din. 2005. <em>Majmu\u2019 al-Fatawa<\/em>. Mansurah, Mesir: Darul Wafa.<\/p>\n<p>Jawatankuasa Syariah Bank Al-Rajhi. 2010. <em>Keputusan Jawatankuasa Syariah Bank Al-Rajhi<\/em>. Riyadh, Arab Saudi: Dar Kunuz Isybiliiyya.<\/p>\n<p>al-Kasani. 1986. <em>al-Bada\u2019i al-Sana\u2019i fi Tartib al-Shara\u2019i<\/em>. Dar al-Kutub al-Ilmiyyah.<\/p>\n<p>Kuwait Finance House. 2015. Product Disclosure Sheet Kuwait Finance House Home Financing-i. 1\u20137.<\/p>\n<p>Lembaga Penyelidikan Undang-Undang, ed. 2008. <em>Kamus Undang-Undang<\/em>. Selangor, Malaysia: International Law Book Services.<\/p>\n<p>Madzlan Mohamad Hussain. 2016. <em>Pemunyaan Benefisial dalam Perbankan Islam &amp; Pasaran Modal Islam<\/em>.<\/p>\n<p>Malaysia. 2006. <em>Civil Law Act 1956<\/em> [Act 67].<\/p>\n<p>Malaysia. 2006. <em>Kanun Tanah Negara 1965<\/em> [Akta 56].<\/p>\n<p>Manzur, Ibn, Ibn Manz\u0323u\u0304r, Muh\u0323ammad ibn Mukarram, &amp; Manzur, Ibn. 1955. <em>Lisan al-Arab<\/em>. Beirut, Lubnan: Dar al-Sadir.<\/p>\n<p>Maybank Islamic. 2013. Ijarah Term Financing-i. http:\/\/www.maybank2u.com.my\/Islamic\/en\/business\/financing\/ijarah-term-financing-i.page [June 14, 2016].<\/p>\n<p>Mohammad Mahbub Ali, Mohd Faiz Rahim &amp; Mohd Shukor Abdullah. 2016. Adaptasi fiqh (takyif fiqhi) terhadap bayaran pendahuluan dalam produk AITAB di Malaysia. Dlm.\u00a0 <em>Muzakarah Cendiakawan Syariah Nusantara Ke-10<\/em>, Kuala Lumpur.<\/p>\n<p>Mohd Hazami Abdul Samat. 2016. Justifikasi Penggunaan Pemilikan Bermanfaat dalam Kewangan Islam, Kuala Lumpur. Temu bual, 19 Mei.<\/p>\n<p>al-Nawawi. t.th. <em>Majmu\u2019 Sharh al-Muhazzab<\/em>. Dar al-Fikr.<\/p>\n<p>Nik Abdul Ghani, Nik Abdul Rahim, Saleem, Muhammad Yusuf, &amp; Lahsasna, Ahcene. 2015. Beneficial ownership: to what extent it complies with shari\u2019ah? <em>Asian Social Science<\/em>\u00a0 11(27): 155\u201367.<\/p>\n<p>Nor Asiah Mohamad. 2008. Analysing the equitable spirit of section 206 of the National Land Code. <em>Malayan Law Journal<\/em>\u00a0 3: 44\u201362.<\/p>\n<p>Oakley, A. J. 1998. <em>Parker and Mellows: The Modern Law of Trust<\/em>. 7<sup>th<\/sup> Ed. London: Sweet &amp; Maxwell Ltd.<\/p>\n<p>OCBC Al-Amin. t.th. Manarat Home-i. https:\/\/www.ocbc.com.my\/OCBCAl_Amin\/pb_financing.shtml?utm_source=ocbc_loans&amp;utm_<\/p>\n<p>medium=txt_links_more&amp;utm_campaign=ocbc_loans_islamic_home_financing#Manarat Home-i [January 1, 2016].<\/p>\n<p>Pearce, Robert &amp; John Stevens &amp; Warren Barr. 2010. <em>The Law of Trusts and Equitable Obligations<\/em>. 5<sup>th<\/sup> Ed. New York: Oxford University Press Inc.<\/p>\n<p>al-Qarafi, Shihab al-Din Abi Abbas. 2003. <em>al-Furuq li Imam al-Qarafi<\/em>. Beirut, Lubnan: Muassasah al-Risalah.<\/p>\n<p>Rafe Haneef, Sherin Kunhibava &amp; Edib Smolo. 2011. Musharakah mutanaqisah and legal issues: case study of Malaysia 3: 91\u2013122.<\/p>\n<p>Ramadhan Fitri, Nasir Haron &amp; Faysal. 2013. Shariah issues in sukuk. <em>Shariah Forum KLIFF<\/em>.<\/p>\n<p>Safinaz Mohd Hussein. 2016. Beneficial ownership menurut perspektif undang-undang &amp; pemakaiannya di Malaysia. Dlm. Diskusi Meja Bulat Pemilikan Bermanfaat (Beneficial Ownership) dalam Kewangan Islam. Anjuran Projek Penyelidikan FRGS Pembinaan Parameter Syariah Prinsip Pemilikan Bermanfaat dalam Kewangan Islam (FRGS\/1\/2015\/SS01\/UKM\/03\/2). Selangor, 3 Mei.<\/p>\n<p>Siti Noorafizah Azizan, Masliza Mohamad &amp; Safinaz Mohd Hussein. 2009. Pemakaian ekuiti di Malaysia dlm <em>Isu-Isu Perundangan di Malaysia: Satu Anjakan Paradigma<\/em>. UKM: Fakulti Undang-undang. hlm. 59-86.<\/p>\n<p>al-Suyuti, Jalal al-Din bin Abd al-Rahman. 1983. <em>al-Ashbah wa al-Naza&#8217;ir li al-Suyuti<\/em>. Beirut, Lubnan: Dar al-Kutub Ilmiyyah.<\/p>\n<p>al-Umari, Fahd Abdullah. 2003. <em>Naza\u2019 al-Milkiyyah al-Khassah wa Ahkamuha fi al-Fiqh al-Islami<\/em>. Edisi Pert. Riyadh, Arab Saudi: Universiti Imam Muhammad bin Saud.<\/p>\n<p>al-Zuhayli, Wahbah. 2005. <em>Usul al-Fiqh al-Islami<\/em>. Damsyik: Dar al-Fikr.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243;][et_pb_text background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; border_style=&#8221;solid&#8221; disabled=&#8221;off&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; background_size=&#8221;initial&#8221; _builder_version=&#8221;3.0.61&#8243;]<\/p>\n<p>69-90<br \/>\n<a href=\"https:\/\/www.ukm.my\/jcil\/wp-content\/uploads\/2017\/07\/JCIL-2016-1-2-Article-1.pdf\">PDF<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>30 Disember 2016 Analisis Syariah Terhadap Konsep Pemilikan Bermanfaat (Beneficial Ownership) Dalam Pembiayaan Perumahan Shari\u2019ah 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-660","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/660","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/comments?post=660"}],"version-history":[{"count":16,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/660\/revisions"}],"predecessor-version":[{"id":1297,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/660\/revisions\/1297"}],"wp:attachment":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/media?parent=660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}