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All Journal Priviet Social Sciences Journal Interdisciplinary Explorations in Research Journal (IERJ)
Nisa Adelia
Universitas Islam Negeri Antasari Banjarmasin
Religion Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Legal protection for wives in the encumbrance of joint marital property as collateral in sharia financing: Toward a substantive consent–notarial or PPAT prudence model Ahmad Mubarak; Novy Listiana; Nisa Adelia; Habibah Lestari
Priviet Social Sciences Journal Vol. 6 No. 7 (2026): July 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i7.1941

Abstract

This article examines the legal protection of wives in the encumbrance of joint marital property as collateral in sharia financing agreements executed before a notary. In practice, collateral objects used in sharia financing, especially land or houses, are often registered under the husband’s name, although they were acquired during marriage and therefore constitute joint marital property. This situation may place the wife in a vulnerable position when her consent is treated merely as a formal administrative requirement. This research uses normative legal research with statutory and conceptual approaches. The legal materials consist of primary legal materials, including marriage law, notarial law, sharia banking law, mortgage law, and the Compilation of Sharia Economic Law, as well as secondary legal materials from books and legal journals. The study finds that the wife’s consent in the encumbrance of joint property must not be reduced to a mere signature in the notarial deed. Such consent must be understood as a substantive legal protection mechanism based on awareness, voluntariness, and adequate legal understanding. Notaries have a preventive role in ensuring the legal status of the collateral object, the capacity and free will of the parties, and the conformity of the deed with the principles of justice and prudence in sharia financing. Therefore, the notary’s role is essential in protecting the wife’s economic rights and preventing future disputes.
Polemik Pembagian Harta Bersama: Tinjauan Ulama Fikih Dan Praktisi Hukum Keluarga Islam Di Kecamatan Gambut Nisa Adelia; Anwar Hafidzi
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1993

Abstract

Polemik pembagian harta yang digunakan secara bersama dalam rumah tangga, terutama pada kepemilikan rumah melalui skema Kredit Pemilikan Rumah (KPR), menjadi fenomena yang kerap memunculkan perselisihan di Kecamatan Gambut. Minimnya pemahaman masyarakat terhadap dasar-dasar fikih dan pertimbangan keadilan dalam penyelesaian konflik membuat pandangan ulama lokal serta praktisi hukum keluarga Islam sering dijadikan rujukan. Fokus kajian ini diarahkan pada cara para tokoh tersebut memaknai dan memberikan solusi atas persoalan pembagian aset yang masih menimbulkan sengketa setelah terjadinya perpisahan. Metode yang digunakan berupa penelitian empiris melalui wawancara mendalam dengan tokoh agama dan praktisi KUA. Hasil temuan menunjukkan kecenderungan penggunaan pendekatan kemaslahatan dan keadilan kontribusi, sejalan dengan konsep maslahah mursalah dan kaidah al-ghurm bil-ghunm yang diterapkan dalam bentuk anjuran penjualan aset, penggantian nilai angsuran KPR secara proporsional, serta penyelesaian damai sebelum menempuh jalur litigasi. Temuan tersebut merefleksikan pola penalaran fikih kontekstual yang adaptif terhadap dinamika sosial-ekonomi masyarakat Gambut.
Co-Authors Ahmad Mubarak Anwar Hafidzi Habibah Lestari Novy Listiana