Fiduciary Dispute Settlement of Murabaha Contract in PT. Al-Ijarah Indonesia Finance

Riska Wijayanti, Kartika Marella Vanni

DOI: https://doi.org/10.23917/jisel.v2i2.8616

Abstract

This study examines the authority of dispute settlement body of a bad financing in murabaha contracts with a collateral of Daihatsu VVTI car 13 XI DLX Year 2011 midnight black color. According to DSN Fatwa Number 04/DSN-MUI/IV/2000 concerning Murabaha the placement of fiduciary on murabaha contract objects is indeed permissible, but it becomes ambiguous when murabaha objects which are used as collateral in the financing process that have not been repaid are lost, causing late installment payments. The customer argued that the late payment was due to the embezzlement of murabaha objects by third parties beyond the expectations or control of the customer. This study also examines the legal liability for late settlement of murabaha sale and purchase by customers due to the loss of murabaha objects which at the same time become collateral in murabaha financing contracts. This research is normative legal research with a legal approach and a case approach. This study concludes that Religious Courts have the authority to decide disputes that occur between customers (mushtari) and sharia financial institutions (ahib al-māl) for late repayment of murabaha financing. Based on the principle of accountability based on the element of error, the customer (mushtari) has legal responsibility for his actions. Errors made by customers (mushtari) are in the form of negligence.

Keywords

Dispute settlement, bad financing, collateral security, murabaha contract, Islamic finance

Full Text:

PDF

References

Anshori, Abdul ghofur.2008.Penerapan Prinsip Syariah Dalam Lembaga Keuangan , Lembaga Pembiayaan, dan Perusahaan Pembiayaan.Yogyakarta: Pustaka Pelajar

Anshori, Abdul Ghofur.2010.Hukum Perjanjian Islam di Indonesia.Yogyakarta: Gajah Mada University Press

Badrulzaman, Mariam Darus et.all.2001.Kompilasi Hukum Perikatan. Bandung: PT. Citra Aditya Bakti

Ghofur, Abdul.2010.Hukum Perjanjian Islam di Indonesia (Konsep, Regulasi dan Implementasi).Yogyakarta: Gajah Mada University Press

Hadisoeprapto, Hartono.1984.Pokok-pokok Hukum Perikatan dan Hukum Jaminan.Yogyakarta: Liberty

HS, Salim.2004.Perkembangan Hukum Jaminan di Indonesia.Jakarta: PT. Raja Grafindo Persada

Lestari, Ahdiana Yuni & Endang heriyani.2009.Dasar – dasar Pembuatan Kontrak dan Aqad.Yogyakarta: Mocomedia

Mardani.2013.Hukum Perikatan Syariah di Indonesia.Jakarta: Sinar Grafika

Mardani,2015.Hukum Sistem Ekonomi Islam. Jakarta: Rajawali Pers

Musjtari, Dewi Nurul.2012.Penyelesaian Sengketa dalam Praktik Perbankan Syariah. Yogyakarta: Parama Publishing

Peraturan Mahkamah Agung Pasal 20 ayat (6) Nomor 02 Tahun 2008 Tentang Kompilasi Hukum Ekonomi Syariah.

Peraturan Bank Indonesia Pasal 1 angka 3 Nomor : 9/19/PBI/2007

Rahardjo, Satjipto.2009.Membangun dan Merombak Hukum Indonesia (Sebuah Pendekatan Lintas Disiplin).Yogyakarta: Genta Publishing

Subekti.1987.Hukum Perjanjian.Jakarta: PT Intermasa

Undang-Undang Nomor 21 Tahun 2008 Pasal 1 Angka 26 Tentang Perbankan Syariah

Article Metrics

Abstract view(s): 52 time(s)
PDF: 47 time(s)

Refbacks

  • There are currently no refbacks.