http://journal.uin-alauddin.ac.id/index.php/lamaisyir Publisher: Fakultas Ekonomi dan Bisnis Islam UIN Alauddin Makassar FATWA DSN MUI KLAUSAL DENDA DAN GANTI RUGI PADA SKIM KPR SYARIAH Hasanuddin 1 , Fakhruddin Mansyur 2 , dan Mega Mustika 3 Universitas Muhammadiyah Makassar Jln. Sultan Alauddin No. 259. Makassar hasanuddin@unismuh.ac.id 1 , fakhruddinmansyur@unismuh.ac.id 2 , megamustika@unismuh.ac.id 3 Received: 20 November 2020; Revised: 5 Desember 2020; Published: 31 Desember 2020 ABSTRAK Penelitian ini bertujuan untuk mengkaji fatwa DSN MUI 17/DSN-MUI/IX/2000 Tentang Sanksi atas Nasabah Mampu yang Menunda-nunda Pembayaran dan DSN MUI No. 43/DSN-MUI/VIII/2004 tentang Ganti Rugi (Ta’widh). Penelitian ini termasuk jenis penelitian kepustakaan, sumber data, buku, artikel, dokumen, dan laporan kegiatan bank. Hasil analisis penelitian bahwa penerapan sanksi denda dan ganti rugi nasabah oleh perbankan berdasarkan fatwa DSN MUI, beberapa ulama yang tidak sepakat hal itu dikarenakan fatwa tersebut tidak dicamtumkan kriteria secara spesifik, bahwa dalam perjalanan ada yang terkendala pembayaran seperti pedagang yang penghasilanya tidak menentu. Kajian ini ditemukan juga bahwa hal ini di berlakukan oleh perbankan syariah dikarenakan untuk mendisiplinkan nasabah dan adanya kerugian perusahaan. Kata Kunci: Klausal Denda; Ganti Rugi; KPR Syariah. ABSTRACT This research was conducted to examine the DSN MUI fatwa related to sanctions on fines and compensation for customers due to delaying payments, the sanctions given to capable customers who delay payments and to find out the application of the DSN-MUI Fatwa. This research was a qualitative research with primary data sources from interviews with the marketing coordinator and the service coordinator and documentation. The analysis in this discussion was descriptive qualitative data analysis. The results of this study indicate that the application of sanctions for fines and compensation for customers by banks based on the MUI DSN fatwa there were still some scholars who do not agree with this because the fatwa does not include specific criteria, thus the analysis of all Islamic banks taking mortgages in Islamic banking are capable people, but on the way there are those who are constrained by payment, such as traders whose income is uncertain. In this study it was also found that this was enforced by Islamic banking due to disciplining customers and company losses. Key Words: Fine clause; compensation; sharia KPR.